BanksALTOS BANK

ALTOS BANK

LOS ALTOS, CAMicroEst. Nov. 25, 2024, midnightFDIC #59339RSSD #5861541FDIC
Latest · 2025-12-31

ALTOS BANK is an 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%. CET1 capital ratio: 36.92%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$54M
Deposits
$32M
Loans
$17M
Equity
$20M

Profitability

Return on Assets (ROA)-11.24%
Return on Equity (ROE)-26.41%
Net Interest Margin3.65%
Yield on Assets4.56%
Cost of Funds1.53%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.38%

Capital & Liquidity

CET1 Ratio36.92%
Tier 1 Capital36.92%
Total Capital Ratio38.77%
Leverage Ratio44.77%
Loan-to-Deposit51.42%

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