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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

4.09%Q1 ’254.33%Q2 ’255.42%Q2 ’26-3%+8%

Non-interest income vs. expense

19.22%Q1 ’2516.02%Q2 ’2513.07%Q2 ’26-17%-31%

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 -7.51%, up 490 bps year over year; NIM at 4.25%.
  • 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 (quarter, annualized)

-7.51%+490 bps YoY

Net Interest Margin (quarter, annualized)

4.25%+31 bps YoY

Efficiency Ratio (quarter, annualized)

210%-19,549 bps YoY

Tier 1 Leverage Ratio

28.45%-3,897 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-12.41%-9.26%-11.24%-9.82%-7.51%+490 bps
Return on Equity-19.15%-17.90%-26.41%-28.47%-26.41%-726 bps
Net Interest Margin3.94%3.98%3.65%3.74%4.25%+31 bps
Efficiency Ratio405%331%411%334%210%-19,549 bps
Non-Interest Burden16.01%13.18%14.99%12.54%11.09%-492 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