Bank Comparison
Bessemer Trust Company of California, N.A. vs Altos Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
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3 · 3
winning metrics across 8 scored rows (2 tied)
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Capital adequacy
| Metric | Bessemer Trust Company of California, N.A. | Altos Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 92.10% | 28.45% |
| Equity / Assets | 94.60% | 25.26% |
Profitability
| Metric | Bessemer Trust Company of California, N.A. | Altos Bank |
|---|---|---|
| Return on Assets (ROA) | -12.52% | -7.77% |
| Return on Equity (ROE) | -13.37% | -26.41% |
| Net Interest Margin (NIM) | 3.37% | 4.32% |
| Yield on Earning Assets | 3.37% | 5.52% |
| Cost of Funds | — | 1.76% |
Asset quality
| Metric | Bessemer Trust Company of California, N.A. | Altos Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | — | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | — | 0.00% |
| ACL / Loans | — | 1.28% |
Balance sheet
| Metric | Bessemer Trust Company of California, N.A. | Altos Bank |
|---|---|---|
| Total Assets | $14.3M | $68.8M |
| Total Deposits | $0 | $50.1M |
| Total Loans | $0 | $38.7M |
| Total Equity | $13.6M | $17.4M |
| Net Income (quarter) | ($461K) | ($1.2M) |
Liquidity & funding
| Metric | Bessemer Trust Company of California, N.A. | Altos Bank |
|---|---|---|
| Loan-to-Deposit Ratio | — | 77.28% |
| Core Deposit Ratio | — | 73.93% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bessemer Trust Company of California, N.A. | Altos Bank |
|---|---|---|
| Headquarters City | San Francisco | Los Altos |
| Headquarters State | CA | CA |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | — | FDIC |
| Domestic Branches | — | 1 |
| Employees (FTE) | 0 | 25 |
| Established | — | November 25, 2024 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Bessemer Trust Company of California, N.A. profile | View full Altos Bank profile | Browse all bank comparisons