Total Assets
$54M
Total balance-sheet footings
FDIC Cert #59339 · Los Altos, California · Est. 2024
Altos Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $54M
- Total assets
- C
- Health grade · Fair
- -11.48%
- Return on assets
- 44.8%
- Tier 1 capital
Data updated July 2026
The verdict
Altos Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 44.77% Tier 1, -11.48% ROA, 399% efficiency ratio.
- #4,107
- largest of 4,313 FDIC banks by assets
- 5th
- percentile by asset size, nationally
- 44.77%
- Tier 1 ratio - above the 10% well-capitalized line
- 0th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Altos Bank's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Altos Bank's composite health score
Tier 1 Capital Ratio (44.77%) 40/40
Return on Assets (ROA) (-11.48%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (399.21%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$32M
Customer-funded liabilities
Net Loans
$16M
Outstanding loan book
Net Income
$-4,404K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Altos Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Altos Bank's score of 60/100 falls in the highlighted band.
Altos Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Altos Bank's $54M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
44.77% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
44.77%
Texas Ratio
0.00%
Equity Capital
$20M
Profitability metrics
Return on Assets (ROA)
0th percentile nationally
-11.48%
Return on Equity (ROE)
-20.06%
Efficiency Ratio
399.21%
What the numbers say about Altos Bank
Altos Bank is an FDIC-insured institution (Certificate #59339) headquartered in Los Altos, California, established in 2024. It holds $54M in total assets - 4,107th of 4,313 FDIC-insured banks, $32M in customer deposits, and $16M in net loans. Looking at capital strength, Tier 1 stands at 44.77%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (60/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Altos Bank ranks 121st of 121 banks based in California -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$2M
Interest Income
-
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Altos Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Altos Bank
Altos Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-4,404K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Altos Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Altos Bank (FDIC Cert #59339) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Altos Bank's health grade?▼
Altos Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Altos Bank?▼
Altos Bank holds $54M in total assets and $32M in deposits, ranking 4,107th of 4,313 FDIC-insured banks by asset size. It is headquartered in Los Altos, California.
Is my money safe at Altos Bank?▼
Yes, deposits at Altos Bank (Certificate #59339) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Altos Bank's Tier 1 Capital Ratio?▼
Altos Bank has a Tier 1 Capital Ratio of 44.77%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Altos Bank?▼
Altos Bank has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Altos Bank?▼
Altos Bank has an Efficiency Ratio of 399.21%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Altos Bank's profile as a depositor or analyst.
- Altos Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Altos Bank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.