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Altos Bank

Los Altos, CA · Cert 59339

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

87

Q4 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2025Q2 2026peer median (50)

Profitability

23

Q4 2024Q2 2026peer median (50)

Liquidity

89

Q4 2024Q2 2026peer median

Efficiency

1

Q4 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Altos Bank

Los Altos, CA · Cert 59339

State charter, non-member · FDIC · 1 branch

Q2 2026

$68.8MAssets
$38.7MLoans
$50.1MDeposits
$17.4MEquity
Loan mix
81%RE $24.5M19%C&I $5.7M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $37.8M25%Noninterest $12.3MQ2 2025Q2 2026

NIM

0.44%Q4 ’243.85%Q2 ’254.91%Q2 ’26+729%+5%

Non-interest income vs. expense

19.67%Q4 ’2415.91%Q2 ’2512.23%Q2 ’26-19%-29%

Market Position · San Jose-Sunnyvale-Santa Clara, CA · 2026 SOD (annual) · 0.0% share · #38 of 42 inst. · $0.1B of $175.3B

Executive Summary

  • Earnings: ROA of -8.50%, up 459 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 28.45%, down 3,897 bps from a year ago.
  • Funding: loans stand at 77.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-8.50%+459 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+19 bps YoY

Efficiency Ratio (YTD, annualized)

254%-18,269 bps YoY

Tier 1 Leverage Ratio

28.45%-3,897 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-13.09%-11.78%-11.48%-9.82%-8.50%+459 bps
Return on Equity-18.22%-18.11%-20.06%-28.47%-27.45%-923 bps
Net Interest Margin3.64%3.30%3.16%3.74%3.83%+19 bps
Efficiency Ratio437%394%399%334%254%-18,269 bps
Non-Interest Burden15.91%13.02%12.60%12.54%11.23%-468 bps
Growth
Asset Growth (YoY)n/an/a102.07%101.16%68.71%n/a
Loan Growth (YoY)n/an/an/an/a424%n/an/a
Deposit Growth (YoY)n/an/a5498%818%188.55%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.26%1.31%1.38%1.19%1.28%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio67.42%52.58%44.77%33.44%28.45%-3,897 bps
Total Risk-Based Capital67.42%52.58%44.77%33.44%28.45%-3,897 bps
Equity / Assets53.86%49.71%36.92%32.21%25.26%-2,859 bps
Liquidity & Funding
Loans / Deposits42.54%51.50%51.42%80.70%77.28%+3,475 bps
Liquid Assets / Assets51.44%50.36%60.23%41.49%38.99%-1,244 bps
CRE / Total Capitaln/a43.58%71.53%118.86%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Altos Bank

Los Altos, CA · Cert 59339 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$68.8MAssets
$38.7MLoans
$50.1MDeposits
$17.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: efficiency ratio trails 99% of banks under $1B in assets (rank 621 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

-7.40%

Rank 621 of 629

Net Interest Margin

3.83%

Rank 216 of 629

Efficiency Ratio

254%

Rank 621 of 629

Equity / Assets

25.26%

Rank 66 of 629

Non-interest income vs. expense

$0.6M$7.5MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 1% of banks under $1B in assets
Bank 254%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-7.40%0.60%1.01%1.45%Beats 1%621 / 629
Return on Equity-29.31%5.38%9.30%13.28%Beats 1%622 / 629
Net Interest Margin3.83%3.03%3.54%4.05%Beats 66%216 / 629
Efficiency Ratio254%58.35%67.79%79.08%Beats 1%621 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio28.45%11.24%13.84%18.77%Beats 86%86 / 629
Total Risk-Based Capital Ratio28.45%11.58%14.43%19.66%Beats 86%90 / 629
Equity / Assets25.26%9.09%10.65%13.80%Beats 90%66 / 629
Liquidity & Funding
Loans / Deposits77.28%67.24%80.90%93.48%45th pctl327 / 594
Loans / Assets56.23%53.31%67.71%78.15%29th pctl448 / 629
Brokered Deposits / Depositsn/aNot reported for this institution