Altos Bank is a state-chartered bank headquartered in Los Altos, California. At the end of Q2 2026 it reported $68.8M in total assets and $50.1M in deposits, with 1 office.
Altos Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than only 48% of its 546 banks with under $100 million in assets. Among 116 banks headquartered in California, it ranks 44th. Capital cushion contributes the most (100/100, 28.45%); earnings contributes the least (0/100, -8.50%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
7 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (76 → 73), mostly because the funding & liquidity component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q4 2024 | 80 |
| Q1 2025 | 79 |
| Q2 2025 | 76 |
| Q3 2025 | 77 |
| Q4 2025 | 75 |
| Q1 2026 | 72 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q4 2024 | 85.41% |
| Q1 2025 | 85.74% |
| Q2 2025 | 67.42% |
| Q3 2025 | 52.58% |
| Q4 2025 | 44.77% |
| Q1 2026 | 33.44% |
| Q2 2026 | 28.45% |
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| Quarter | Noncurrent loans |
|---|---|
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q4 2024 | -20.32% |
| Q1 2025 | -14.75% |
| Q2 2025 | -13.09% |
| Q3 2025 | -11.78% |
| Q4 2025 | -11.48% |
| Q1 2026 | -9.82% |
| Q2 2026 | -8.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $68.8M | 28.45% | 0.00% | -8.50% | 76.3% |
| Q1 2026 | 72 | $57.5M | 33.44% | 0.00% | -9.82% | 79.7% |
| Q4 2025 | 75 | $53.6M | 44.77% | 0.00% | -11.48% | 50.7% |
| Q3 2025 | 77 | $42.4M | 52.58% | 0.00% | -11.78% | 50.8% |
| Q2 2025 | 76 | $40.8M | 67.42% | 0.00% | -13.09% | 42.0% |
| Q1 2025 | 79 | $28.6M | 85.74% | 0.00% | -14.75% | 0.0% |
| Q4 2024 | 80 | $26.5M | 85.41% | 0.00% | -20.32% | 0.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Asian Pacific National BankBank San Gabriel, CA | 89 out of 100, Very strong | $56.9M | 20.1% | 0.00% | vs |
| Tustin Community BankBank Tustin, CA | 84 out of 100, Strong | $86.5M | 15.5% | 0.00% | vs |
Deposit insurance
Is my money safe at Altos Bank?
Yes. Altos Bank is an FDIC-insured institution (FDIC certificate #59339). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 43.0% of deposits ($21.5M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 28.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Altos Bank lists 1 office in 1 city. Most locations:
- Los Altos, CA (1)
Identity & history
Profile
- Legal name
- Altos Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59339
- RSSD ID
- 5861541
- Primary regulator
- FDIC
- Established
- November 25, 2024
- Headquarters
- 467 1st St, Los Altos, CA 94022
- Website
- www.altosbank.com
- Employees
- 25
Quick answers
Altos Bank: common questions
Is Altos Bank FDIC insured?
Yes. Altos Bank is an FDIC-insured institution (FDIC certificate #59339). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Altos Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Altos Bank ever failed?
There is no failure record for FDIC certificate #59339 in the FDIC failed bank list.
How many branches does Altos Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Los Altos
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA | 87 out of 100, Very strong | $31.8M | 18.4% | 0.00% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| F3 Credit UnionCredit union San Jose, CA | 80 out of 100, Strong | $236.8M | 18.5% | 1.05% | vs |
| Commonwealth Central Credit UnionCredit union San Jose, CA | 80 out of 100, Strong | $624.9M | 14.2% | 0.41% | vs |
| Star One Credit UnionCredit union Sunnyvale, CA | 77 out of 100, Strong | $9.7B | 14.1% | 0.13% | vs |