PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.1MQ4 2024Q2 2026
Deposit mix
75%Interest-bearing $37.8M25%Noninterest $12.3MQ4 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-20.32%-14.75%-13.09%-11.78%-11.48%-9.82%-8.50%+459 bps
Return on Equity-22.52%-17.32%-18.22%-18.11%-20.06%-28.47%-27.45%-923 bps
Net Interest Margin0.44%4.06%3.64%3.30%3.16%3.74%3.83%+19 bps
Efficiency Ratio4482%474%437%394%399%334%254%-18,269 bps
Non-Interest Burden19.67%19.22%15.91%13.02%12.60%12.54%11.23%-468 bps
Growth
Asset Growth (YoY)n/an/an/an/a102.07%101.16%68.71%n/a
Loan Growth (YoY)n/an/an/an/an/an/a424%n/an/a
Deposit Growth (YoY)n/an/an/an/a5498%818%188.55%n/a
Asset Quality
Nonperforming Loans / Loansn/an/a0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loansn/an/a1.26%1.31%1.38%1.19%1.28%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio85.41%85.74%67.42%52.58%44.77%33.44%28.45%-3,897 bps
Total Risk-Based Capital85.41%85.74%67.42%52.58%44.77%33.44%28.45%-3,897 bps
Equity / Assets90.22%80.46%53.86%49.71%36.92%32.21%25.26%-2,859 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%42.54%51.50%51.42%80.70%77.28%+3,475 bps
Liquid Assets / Assets82.86%65.44%51.44%50.36%60.23%41.49%38.99%-1,244 bps
CRE / Total Capitaln/an/an/a43.58%71.53%118.86%n/an/a