ALTOS BANK

LOS ALTOS, CA | Micro | Est. Nov. 25, 2024, midnight | FDIC #59339 | RSSD #5861541 | FDIC
Latest Report: 2025-12-31

ALTOS BANK is amn micro FDIC-insured commercial bank headquartered in LOS ALTOS, CA, established in Nov. 25, 2024, midnight. As of 2025-12-31, the bank reported total assets of $54M and total deposits of $32M. Profitability stands at -11.24% ROA and -26.41% ROE, with a net interest margin of 3.65%. The bank's CET1 capital ratio is 36.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59339.

Assets

$54M

Deposits

$32M

Loans

$17M

Equity

$20M

Profitability

Return on Assets (ROA) -11.24%
Return on Equity (ROE) -26.41%
Net Interest Margin (NIM) 3.65%
Yield on Assets 4.56%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.38%

Capital & Liquidity

CET1 Ratio 36.92%
Tier 1 Capital 36.92%
Total Capital Ratio 38.77%
Leverage Ratio 44.77%
Loan-to-Deposit 51.42%

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