Altos Bank: how it compares with its peers
Against 747 U.S. banks with half to twice its assets, Altos Bank's strongest measure in Q2 2026 is net interest margin (4.02% vs. a 3.88% peer median). Its weakest relative measure is return on assets (-8.50% vs. 1.08%).
| Measure | Altos Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -8.50% | 1.08% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.02% | 3.88% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 253.85% | 67.25% | Bottom third Ahead of 1% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.8M | $6.3M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.29% | 70.80% | Context |
What it means for lending operations
Its efficiency ratio of 253.85% is above the 67.25% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Washita Valley Bank Fort Cobb, OK · $69M
- State Bank of Chandler Chandler, MN · $69M
- Bank of Gueydan Gueydan, LA · $69M
- Community Bank Avon, SD · $69M
Questions about Altos Bank
How big is Altos Bank?
Altos Bank, established in 2024, is headquartered in Los Altos, CA. It reported $69M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Altos Bank's return on assets?
-8.50% annualized in Q2 2026, against a 1.08% median for 747 U.S. banks with half to twice its assets, ahead of 0% of them.
What is Altos Bank's efficiency ratio?
253.85% in Q2 2026: it spent about 254 cents in noninterest expense for each dollar of revenue. The peer median is 67.25%, and lower is better.
Is Altos Bank growing its loans?
Net loans grew 424.1% over the year to Q2 2026, while deposits grew 188.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.