Altos Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Efficiency ratio: 124.70 percentage points lower than in Q1 2026, at 209.79%. On return on assets, Altos Bank is 2nd from the bottom among 114 California banks, -7.77% (Q2 2026). Altos Bank's return on assets of -7.77% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 8.75 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 28.45% |
| Equity capital to assets | 25.26% |
| Tangible equity to tangible assets | 25.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -7.77% |
| Return on equity | -26.41% |
| Net interest margin | 4.32% |
| Efficiency ratio | 209.79% |
| Yield on earning assets | 5.52% |
| Cost of funds | 1.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.28% |
| Core deposits to total deposits | 73.93% |
| Brokered deposits to total deposits | 17.16% |
| Deposits to assets | 72.76% |
| Securities to assets | 2.12% |
Vital Signs trend
Last 7 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2024 | 85.41% | — | — | — | — |
| Q1 2025 | 85.74% | -15.16% | 4.36% | — | — |
| Q2 2025 | 67.42% | -13.21% | 4.19% | 0.00% | 0.00% |
| Q3 2025 | 52.58% | -9.61% | 4.20% | 0.00% | 0.00% |
| Q4 2025 | 44.77% | -12.21% | 3.84% | 0.00% | 0.00% |
| Q1 2026 | 33.44% | -9.85% | 3.86% | 0.00% | 0.00% |
| Q2 2026 | 28.45% | -7.77% | 4.32% | 0.00% | 0.00% |
Altos Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Altos Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Altos Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59339) · FFIEC NIC profile (RSSD 5861541)