BlastPoint's Banking Scorecard
Altos Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Los Altos, CA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 3 in CA.
- Deposits +188.6% year over year ($50.1M on the books).
- Delinquency rate 0.00%.
- Return on assets -8.50%.
- Efficiency ratio 253.85% vs a 119.40% peer average.
- Loan-to-deposit ratio 76.29% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Altos Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 9.50% below tier average
- - Efficiency Ratio 134.45% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$68.8M
+68.7% YoY
+19.8% QoQ
|
+$6.4M |
$62.4M
-0.0% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
55% |
| Total Loans ? |
$38.2M
+424.1% YoY
+28.1% QoQ
|
+$3.3M |
$34.9M
-0.6% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
59% |
| Total Deposits ? |
$50.1M
+188.6% YoY
+33.9% QoQ
|
-$1.5M |
$51.6M
-0.2% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
-8.50%
+35.1% YoY
+13.4% QoQ
|
-9.50% |
1.00%
+3.5% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 0.9% in tier |
| Net Interest Margin ? |
4.02%
+1.8% YoY
+4.1% QoQ
|
+0.10% |
3.91%
+2.3% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
57% |
| Efficiency Ratio ? |
253.85%
-41.8% YoY
-24.1% QoQ
|
+134.45% |
119.40%
+49.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
76.29%
+81.6% YoY
-4.3% QoQ
|
+2.08% |
74.21%
+12.6% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
24.57%
-55.8% YoY
-22.4% QoQ
|
+1.08% |
23.49%
+0.6% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
28.45%
-57.8% YoY
-14.9% QoQ
|
+1.33% |
27.13%
+3.0% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? | 0.44% | -0.94% |
1.38%
+6.3% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
Top 10.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.6%
-31.0pp YoY -7.1pp QoQ |
-0.1pp | 24.6% | 25.5% | 22.2% | 53% |
| Brokered Deposits |
17.2%
+3.2pp YoY +6.3pp QoQ |
+7.4pp | 9.8% | 11.0% | 8.5% | 78% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.4%
-2.1pp YoY -8.7pp QoQ |
-3.0pp | 13.4% | 11.8% | 12.5% | 52% |
| CRE | n/a | n/a | 25.2% | 67.5% | 41.4% | n/a |
| 1-4 Family |
22.5%
+14.2pp QoQ |
-12.5pp | 35.0% | 16.5% | 31.3% | 40% |
| Consumer | n/a | n/a | 7.7% | 5.3% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 23.7% | 19.7% | n/a |
| Leverage Ratio |
28.5%
-39.0pp YoY -5.0pp QoQ |
+10.8pp | 17.7% | 14.5% | 12.6% | 92% |
| Total Capital Ratio | n/a | n/a | 39.7% | 25.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
+7 (+38.9%) YoY +6 (+31.6%) QoQ |
+13 | 12 | 337 | 482 | 95% |
| Assets per Employee ($) |
$2.8M
+21.5% YoY -9.0% QoQ |
-$3.4M | $6.2M | $11.3M | $8.8M | 6% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 15 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.4% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 17.11x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-27.4%
-9.2pp YoY +1.0pp QoQ |
-33.8pp | 6.4% | 8.2% | 11.6% | 2% |
| Cost of Funds (YTD) |
1.1%
+0.9pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.9% | 1.7% | 34% |
| Net Income ($, YTD) |
$-2548000.0
-21.8% YoY — QoQ |
-$2.9M | $317,817 | $28.5M | $40.4M | 0% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.