| Metric | Altos Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +68.7% | +3.0% | +65.7 pts |
| Deposit growth (YoY) | +188.6% | +2.5% | +186.1 pts |
| Loan growth (YoY) | +424.1% | +2.6% | +421.5 pts |
| ROA | -8.50% | 0.99% | -9.5 pts |
| ROE | -27.4% | 8.1% | -35.5 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $68.8M | $50.1M | $38.2M | $17.4M | $-2.5M | -8.50% | 4.02% | 0.00% |
| Q1 2026 | $57.5M | $37.4M | $29.8M | $18.5M | $-1.4M | -9.82% | 3.86% | 0.00% |
| Q4 2025 | $53.6M | $32.4M | $16.4M | $19.8M | $-4.4M | -11.48% | 3.83% | 0.00% |
| Q3 2025 | $42.4M | $19.9M | $10.1M | $21.1M | $-3.1M | -11.78% | 4.05% | 0.00% |
| Q2 2025 | $40.8M | $17.4M | $7.3M | $22.0M | $-2.1M | -13.09% | 3.95% | 0.00% |
| Q1 2025 | $28.6M | $4.1M | $0 | $23.0M | $-1.0M | -14.75% | 4.23% | 0.00% |
| Q4 2024 | $26.5M | $578K | $0 | $23.9M | $-5.4M | -20.32% | 0.50% | 0.00% |
Loan mix (Q2 2026): real estate $34.9M · commercial $4.0M · consumer $0 · securities $1.5M
| Ratio | Altos Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.50% | 0.99% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -27.4% | 8.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 253.8% | 70.8% | 98th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Altos Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Altos Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Altos Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Altos Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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