# ALTOS BANK
LOS ALTOS, CA · FDIC certificate 59339 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $68.8M | |
| Deposits | $50.1M | |
| Loans and leases | $38.7M | |
| Total equity | $17.4M | |
| Loans / deposits | 76.29% (p55 of band) | 73.59% |
| Liquid assets / assets | 42.37% (p67 of band) | |
| Uninsured deposits / deposits | 42.98% (p94 of band) | 19.81% |
| Brokered deposits | 12.49% | |
| Wholesale funding | 12.49% (p88 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 28.45% (p94 of band) | 11.76% |
| Unrealized securities loss / equity | -0.06% (p91 of band) | -6.57% |
| AOCI / equity | -0.06% (p66 of band) | |
| ROA (annualized) | -8.50% (p1 of band) | 1.17% |
| Net interest margin | 4.02% (p55 of band) | 3.93% |
| Efficiency ratio | 253.85% (p99 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 90% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 188.6% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2024-12 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2025-03 | 2 |  | NIM <2.5% |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 4 | brokered >10% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-03-05 [Altos Bank Announces Grand Opening Following Successful Soft Launch - Yahoo Finance](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUm15TFN1eHB0YVZpX1lyeldWYmgzWVNLR0l2a3hiLUlndXZKRmIyX2pCZTdIaFp4cTQ2cTBuZmdwQUU5eXFuaW9zeHRReWJmek9xbXJmUVJkTUxLSVJ0QWRFbkhCQWl1S2pmVy01SGdwem5zNmJGYWx0Zzg2RWY1MkV5dlVSNzA?oc=5) · Yahoo Finance
- 2024-08-21 [Altos Bank (In Organization) Conditionally Approved by The California Regulator - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxQZEYtNl9rQ1J0clNoS2tjbGhQWEZ5Q0JVR01VellxUkkxNkN4WFpSMHRSeGJPTFdHQTVuYlhGOHdQUklFR1FOZElCOHFvZUwwZFh3M3pvYTROTW5SZ1FBcnpUcFZhY0plUlllSUFEdGNRMi1pQnA5ZWFJUEZ6TFRLVVlEZmVlenBYTklXMC1mMngtSk10Y0FFeDhyT2xIc2k3eHFBQWdSLXBRSU9ESjF0OEFEZUJ2aUNkbzB5THVKenZSd1JrZktOdGU2dklYZw?oc=5) · PR Newswire
- 2025-06-24 [News | Why these California banks are bullish on branch expansion - costar.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPT0VLRHRyc2hZWXp3cHRHdHRwMXVMUUhOMFVnTWh2QXdEYmhhOU43VXI4SFFhdzYyRWwySVpqblhlM2QtUmVYYzQ1MHo3UmIxUVRnUDA0QWd4M01KZGtFckpETGplcDlleUpoOUVLYlQ4VTh1SktlN05oMkpMOUFfNUZoR29UT0dpX045b1JOWEFuYV92cFRyQkl6Q21lcDdnZUE?oc=5) · costar.com
- 2025-06-23 [Young Silicon Valley bank takes aim at failed institution's clients - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxNZmd2ZkNFZndmWGYwUVdTaW5JMTF0ajN5WEtFaURwWXMydlQ0YkxQVktiSER5akI1ODA3Zm02VXh4ODNQZ1pDNDEwVWttTnU3dE1pVUtvUUhPTzJxODNuWlBpb05kZkd4a1RhZVY1VnJwejFZbDlrSVRJeHFpVzVMSkJKZlVtOHg1UnhubEZ5b0JVeWVpcHc?oc=5) · The Business Journals
- 2025-01-29 [New Los Altos bank aims to provide quality business services - Los Altos Town Crier](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOQTZweVRiMmVpQmdPZmJmWTVnem1TLWlBLTA1Y2Iwb0ZqWnlnLWVfT3E5NDVPWVYzWXoyV2lXOUJwc2Q3WFk2MDFKVXpLcEpwVGJRLUJnejZoVGRjU0ZsZ2ZpSzJJQXRJamwxRUhmb1U2SWRPUkFFekc5LUkzZ2FPUUYxRDM4djRRVE9GVHZ6dlpEZFUydzBONVp2cU5ZbFBYb1JiNVltaVZlQjdCc210cG9abm42OWRWemp6aVJndjhXbGFES1R1cEdjaWxJZGZDeHF2aElHcEtrVl8tVksyU08yblc?oc=5) · Los Altos Town Crier
- 2024-08-23 [Silicon Valley de novo poised to fill gap left by failed banks - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxOWF9QRlRfaDAxdVNUZmx3ckdrcXI3TWlJX3JtWFM5aU02MDJoZS0taHUwSXpPeUE2NmItOHN1QmpnQ2ZLSGp0NVFkVWhhRGJBaXBpd1lVTTRBaTlzQWx5SVRUaVgwcTZwSVgwcUxGRHV3VTBkWU1vWE1fSlVhb3FZVGVUVGtobE43QUQzaFZRU1VVcUc5RGh2cklyUFBXbFE?oc=5) · American Banker
- 2013-06-01 [Police Nab Man Suspected in Multiple Los Altos Bank Robberies - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxQNmZQRTBnRWdRbkNFaDVMaGhLekx2QkRndEwwUUM5ZGMxRldVaGZaTWNpbGV5UVJyTU15NUdRVmJGeGRMMl9LZGUxM2IzQXh4VG9idnhUQ3llVmljZkpWQUV5Q2tHMVQ5QnRfTzVHS1VpWUQ5bWhtTmJJWVNRTG8yOHlfX2lQZTNjNF85VkttZzk3S09JNnFRME5sMjg1V3l2?oc=5) · Patch
- 2024-09-12 [Poppy Bank branches popping up across Bay Area - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQUFRob0FGWGcwTTlzWEppeEVHOU9zXzA4NHF2Qnp6Wm5MOE9JVTVkUk9LbEs3TllGZ1o0TlhFR1I5Z1M1a2dWRm90WUlGNVNzVHhEam93a09uajNvalZZQzBGQTlMVmZhZjR3cjVmamZSS050MVFMMENqRmk0Tng1V2NMYzJRS3ZZX2VVOUV3ZkRUYVVXSlc3UTRjcVdqd0FnMDVFbUdMRU1sNkVQWUE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59339 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "59339", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide