BlastPoint's Banking Scorecard
Altos Bank
Micro
Specialty: Commercial
CA
FDIC cert 59339
Designations: ✓ Community bank
Los Altos, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Altos Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 17.12% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.6M
+102.1% YoY
+26.5% QoQ
|
-$163.9M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$16.4M
+61.9% QoQ
|
-$122.8M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$32.4M
+62.3% QoQ
|
-$151.3M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
-11.48%
+43.5% YoY
+2.6% QoQ
|
-12.56% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
- |
| Net Interest Margin ? |
3.83%
+666.1% YoY
-5.6% QoQ
|
-0.03% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
399.21%
-91.1% YoY
+1.2% QoQ
|
+331.49% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
50.71%
-0.2% QoQ
|
-23.81% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
39.51%
-35.5% YoY
-21.8% QoQ
|
+17.12% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? | 0.00% | -0.56% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
39.51%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.51% · Tier avg: 22.39%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
14
14th pctile
Loan-to-Deposit Ratio
Current: 50.71% · Tier avg: 74.53%
8
8th pctile
Total Assets
Current: $53.6M · Tier avg: $217.5M
5
5th pctile
Total Loans
Current: $16.4M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $32.4M · Tier avg: $183.7M
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
Top Weaknesses
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
5
5th pctile
Total Deposits
Current: $32.4M · Tier avg: $183.7M
5
5th pctile
Total Loans
Current: $16.4M · Tier avg: $139.2M
8
8th pctile
Total Assets
Current: $53.6M · Tier avg: $217.5M
14
14th pctile
Loan-to-Deposit Ratio
Current: 50.71% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.51% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%