BlastPoint's Banking Scorecard

Altos Bank

under $100M Specialty: Commercial CA FDIC cert 59339

Designations: ✓ Community bank ✓ Minority Depository Institution

Los Altos, CA

541 banks in the under $100M peer group nationally 4 in CA

Altos Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 10.65% below tier average
- Efficiency Ratio 246.15% above tier average
- Non-Interest Income / Assets 0.66% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$57.5M +101.2% YoY +7.2% QoQ	-$4.7M	$62.2M -0.6% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$29.8M +81.7% QoQ	-$4.4M	$34.2M -1.4% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	45%
Total Deposits ?	$37.4M +818.1% YoY +15.6% QoQ	-$14.3M	$51.7M -0.7% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	28%
Return on Assets ?	-9.82% +33.5% YoY +14.5% QoQ	-10.65%	0.84% -2.3% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 0.9% in tier
Net Interest Margin ?	3.86% -8.8% YoY +0.9% QoQ	+0.00%	3.86% +2.8% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	52%
Efficiency Ratio ?	334.49% -29.4% YoY -16.2% QoQ	+246.15%	88.34% +0.3% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Bottom 0.9% in tier
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	79.74% +57.2% QoQ	+15.53%	64.22% -0.7% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	28%
Non-Interest-Bearing Deposit Share ?	31.66% -53.5% YoY -19.9% QoQ	+7.95%	23.71% +0.3% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	33.44% -61.0% YoY -25.3% QoQ	+6.76%	26.68% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Top 13.7% in tier
Non-Interest Income / Assets ?	0.00%	-0.66%	0.67% +1.9% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 2.8% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Tier 1 Capital Ratio

capital

Value: 33.44%

Peer Median: 26.68%

#75 of 541 Top 13.7% in under $100M

125

Non-Interest-Bearing Deposit Share

funding

Value: 31.66%

Peer Median: 23.71%

#125 of 541 Top 22.9% in under $100M

Top Weaknesses (3 metrics)

537

Efficiency Ratio

profitability

Value: 334.49%

Peer Median: 88.34%

#537 of 541 Bottom 0.9% in under $100M

537

Return on Assets

profitability

Value: -9.82%

Peer Median: 0.84%

#537 of 541 Bottom 0.9% in under $100M

527

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.67%

#527 of 541 Bottom 2.8% in under $100M