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
Unfavorable gap of $6.9M · efficiency ratio beats 1% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 3.83% | 3.03% | 3.54% | 4.05% | Beats 66% | 216 / 629 | |
| Efficiency Ratio | 254% | 58.35% | 67.79% | 79.08% | Beats 1% | 621 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 28.45% | 11.24% | 13.84% | 18.77% | Beats 86% | 86 / 629 | |
| Total Risk-Based Capital Ratio | 28.45% | 11.58% | 14.43% | 19.66% | Beats 86% | 90 / 629 | |
| Equity / Assets | 25.26% | 9.09% | 10.65% | 13.80% | Beats 90% | 66 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 77.28% | 67.24% | 80.90% | 93.48% | 45th pctl | 327 / 594 | |
| Loans / Assets | 56.23% | 53.31% | 67.71% | 78.15% | 29th pctl | 448 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |