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Altos Bank
Los Altos, CA · FDIC Certificate #59339 · Chartered 11/2
Total assets
$68.83M
Total deposits
$50.08M
Total equity
$17.39M
Net loans
$38.20M
Branches (offices)
1
Net income (YTD)
-$2.55M
Rank: #3,913 of 4,213 U.S. banks by assets · #114 of 115 in California. Assets changed 68.7% and deposits 188.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -8.50% |
| Return on equity | -27.45% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 25.26% |
| Tier 1 leverage ratio | 28.45% |
| Uninsured deposits (share of deposits) | 43.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 76.3% |
| Real estate loans (share of loans) | 91.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $34.86M | 91.3% | |
| Commercial & industrial | $3.96M | 10.4% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2025 | $40.79M | $17.35M | -$2.09M | $21.97M |
| Jun 2026 | $68.83M | $50.08M | -$2.55M | $17.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $50.08M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $50.08M.
Similar-sized banks
Bank Of Gueydan ($69.22M) · Washita Valley Bank ($68.81M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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