Altos Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Altos Bank of Los Altos, CA against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -7.77% | 3.15% | -10.92% | 2nd bottom |
| ROAE | -26.41% | 10.49% | -36.90% | 3rd bottom |
| Net Interest Margin | 4.32% | 3.93% | +0.39% | 69th above |
| Efficiency Ratio | 209.79% | 76.05% | +133.74% | 2nd bottom |
| Yield on Earning Assets | 5.52% | 5.35% | +0.17% | 62nd above |
| Cost of Funds | 1.76% | 1.70% | +0.06% | 39th below |
| Net Interest Spread | 3.26% | 3.31% | -0.05% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.28% | 1.49% | -0.21% | 54th above |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 28.45% | 17.58% | +10.87% | 87th top |
| Equity / Assets | 25.26% | 16.41% | +8.85% | 85th top |
| TCE / Tangible Assets | 25.20% | 16.16% | +9.04% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.28% | 72.82% | +4.46% | 35th below |
| Core Deposit Ratio | 73.93% | 88.24% | -14.31% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 68.71% | 4.18% | +64.53% | 100th top |
| Loan Growth (Y/Y) | 424.25% | 5.91% | +418.34% | 100th top |
| Deposit Growth (Y/Y) | 188.55% | 3.42% | +185.13% | 100th top |
See Altos Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Altos Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Altos Bank profile, how to read a UBPR, or how this data updates.