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Altos Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 4,108 |
| Cost of funding earning assets | 0.0311% | 4,388 |
| Net interest margin | 4.2338% | 913 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 18.7029% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -14.7532% | 4,448 |
| Return on assets (ROA) | -14.7532% | 4,488 |
| Pretax return on assets | -14.7532% | 4,488 |
| Return on Equity (ROE) | -17.3200% | 4,421 |
| Retained earnings to average equity (ytd only) | -17.3242% | 4,358 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 473.5294% | 37 |
| Assets per employee ($millions) | 1.6802% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,373 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,354 |
| Net loans and leases to deposits | 0.0000% | 4,363 |
| Net loans and leases to core deposits | 0.0000% | 4,352 |
| Total domestic deposits to total assets | 14.2600% | 4,358 |
| Equity capital to assets | 80.4607% | 107 |
| Core capital (leverage) ratio | 85.7351% | 52 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 735.6914% | 5 |
| Memoranda: | ||
| Average total assets | $27,546,500 | 4,355 |
| Average earning assets | $25,698,000 | 4,326 |
| Average equity | $23,458,500 | 2,793 |
| Average total loans | $0 | 4,354 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4996% | 4,488 |
| Cost of funding earning assets | 0.0000% | 4,414 |
| Net interest margin | 0.4996% | 4,440 |
| Noninterest income to average assets | 0.0000% | 4,443 |
| Noninterest expense to average assets | 20.7802% | 73 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -20.3166% | 4,474 |
| Return on assets (ROA) | -20.3166% | 4,512 |
| Pretax return on assets | -20.3166% | 4,512 |
| Return on Equity (ROE) | -22.5200% | 4,451 |
| Retained earnings to average equity (ytd only) | -22.5193% | 4,465 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 4,482.1138% | 21 |
| Assets per employee ($millions) | 1.6581% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,378 |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0000% | 4,400 |
| Total domestic deposits to total assets | 2.1800% | 4,399 |
| Equity capital to assets | 90.2186% | 81 |
| Core capital (leverage) ratio | 85.4089% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 1,186.6634% | 2 |
| Memoranda: | ||
| Average total assets | $26,530,000 | 4,381 |
| Average earning assets | $24,620,000 | 4,352 |
| Average equity | $23,935,000 | 2,702 |
| Average total loans | $0 | 4,379 |