Bank · FDIC insured
Altos Bank
A $68.8M bank headquartered in Los Altos, CA, with 1 branch in California. Best rates: CDs 4.10% and savings 1.01% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no rate at the amounts we compare. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.10%CD rates →
- Savings861.26%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Altos Bank
Altos Bank is a multi-racial minority-owned community bank headquartered in Los Altos, California, designated as a Minority Depository Institution.
The bank focuses on serving the unique needs of Silicon Valley's entrepreneurs and small businesses with digital-first business banking solutions.
- Headquarters
- 467 1st St, Los Altos, CA 94022
- FDIC certificate
- 59339 ↗
Branches
1 branch in California
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California
1 branch
- Altos BankMain office467 1st St, Los Altos, CA 94022Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 28.45% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.00% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | -8.50% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $77 | $67 | — |
- CapitalLeverage ratio28.45%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets-8.50%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$77Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Altos Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.