Altos Bank
Los Altos, CA
IDRSSD: 5861541
Total Assets
$53.61M
Latest filing
Total Deposits
$32.35M
Latest filing
Net Interest Margin
3.50%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
121145491LOS ALTOS, CA
Key People
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Locations
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Main Office
Altos Bank
467 1st St
Los Altos, CA 94022
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/25/2024FDIC Certificate 656835
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Altos Bank (Main) | 467 1st St | Los Altos, CA | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/25/2024 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 94022 |
| State and County Number | 06085 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Jose-Sunnyvale-Santa Clara, CA |
Operational Info
| Number of Employees | 17 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/12/2025 |
| Date of Deposit Insurance | 11/25/2024 |
| Primary Insurance Agency | DIF |
| Website | www.altosbank.com |
| Data Updated | 01/30/2026 |
| CERT | 59339 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $53.61M |
| Total Deposits | $32.35M |
| Total Liabilities | $33.82M |
| Total Equity Capital | $19.79M |
| Net Income | $-1,349,000 |
| Net Loans and Leases | $16.41M |
| Assets Per Employee ($Millions) | $2.82M |
| Bank Premises and Fixed Assets | $1.02M |
| Cash and Balances due from Depository Institutions | $32.82M |
| Deposits Held in Domestic Offices | $32.35M |
Key Performance Ratios
| Return on Assets (ROA) | -11.24% |
| Return on Equity (ROE) | -26.41% |
| Net Interest Margin | 3.5% |
| Efficiency Ratio | 411.17% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.79% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 36.921% |
| Earning Assets to total Assets | 96.44% |
Income and Expense
| Total Interest Income | $503.00k |
| Total Noninterest Income | $0 |
| Total Interest Expense | $100.00k |
| Total Noninterest Expense | $1.66M |
| Net Interest Income | $403.00k |
| Pre-tax Net Operating Income | $-1,349,000 |
| Provision for Credit Losses | $95.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.13M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.46M |
| Total Liabilities and Capital | $53.61M |
Securities
| Securities | $1.87M |
| Available-for-sale debt securities | $1.87M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Altos Bank?
$53.61M as of the latest filing.
How much are Altos Bank's total deposits?
$32.35M in total deposits.
Where is Altos Bank located?
Los Altos, CA.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
1.
When was it established?
11/25/2024.
What is the Return on Assets (ROA)?
-11.24%.
How much are total loans and leases?
$16.41M (latest filing).
What is the total interest income (latest filing)?
$503.00k.