AltaPacific Bank


4845 Old Redwood Highway
Santa Rosa, CA 95403
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

AltaPacific Bank is an FDIC insured institution located in Santa Rosa, CA. It was founded in 2006 and has approximately $0.42 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 58275
Date Established 2006
Assets $ 434.03 million
Loans $ 330.12 million
Deposits $ 297.16 million
Capital $ 59.87 million

For a more detailed analysis of AltaPacific Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for AltaPacific Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to AltaPacific Bank
To upload and update your bank's rates please register. It is free to register and add rates.


AltaPacific Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

AltaPacific Bank Locations

Financial Details

AltaPacific Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of AltaPacific Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
AltaPacific Bank U.S. Bank Average
0.03% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, AltaPacific Bank had $22,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $59,870,000 in equity and $4,216,000 in loans loss reserves. That gives it a Texas Ratio of 0.03%.

Return on Equity
AltaPacific Bank U.S. Bank Average
8.94% 7.80%

AltaPacific Bank has a Return on Equity of 8.94% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

AltaPacific Bank U.S. Bank Average
13.79% 12.68%

AltaPacific Bank has a Capitalization of 13.79% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

AltaPacific Bank Balance Sheet Analysis

As of September 30, 2019, AltaPacific Bank had assets of $419,614,000, loans of $330,115,000, and deposits of $297,155,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 21.63 million
Interest-bearing balances $ 14.57 million
Total securities $ 34.77 million
Federal funds sold and reverse repurchase $ 1.19 million
Net loans and leases $ 330.12 million
Loan loss allowance $ 4.22 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.95 million
All other assets $ 22.85 million
     Total Assets $ 359.74 million
Total deposits $ 297.16 million
      Interest-bearing deposits $ 174.05 million
      Deposits held in domestic offices $ 297.16 million
      % insured (estimated) 57.21%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 52.28 million
Subordinated debt N.A.
All other liabilities $ 10.31 million
      Total Liabilities $ 359.74 million
      Shareholders’ Equity $ 74.28 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 16.30 million
Total Interest Expense $ 1.68 million
Net interest income $ 14.62 million
Provision for loan and lease losses $ 0.09 million
Total non interest income $ 0.73 million
Total non interest expense $ 10.01 million
Pre-tax Net Operating Income $ 5.25 million

Bank Loan Profile?

The top three loan types in AltaPacific Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and Multifamily Mortgages.

Compared to other banks in California, AltaPacific Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.68
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 18.84
Commercial Real Estate 58.61
Commercial and Industrial Loans 4.83
Farm Loans 0.00

Frequently Asked Questions About Altapacific Bank

Branches and Savings

Is Altapacific Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58275.

Why does Altapacific Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Altapacific Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Altapacific Bank a commercial bank?


Where are Altapacific Bank locations?

See branch locations nearby.

Is Altapacific Bank open on Saturdays?

Is Altapacific Bank open on Sundays?

What time does Altapacific Bank open?

What time does Altapacific Bank close?

Are Altapacific Bank ATMs Open 24/7?

Do Altapacific Bank ATMs accept cash deposits?

Can Altapacific Bank customers use other ATMs?

Do Altapacific Bank branches have notaries?

Will Altapacific Bank notarize my document?

What address for Altapacific Bank should I put for incoming ACH transfers?

Will the Altapacific Bank branch print checks?

Do Altapacific Bank checks expire?

Does Altapacific Bank require US citizenship to open account?

Can Altapacific Bank close my account?

Does Altapacific Bank Report to credit bureaus?

Does Altapacific Bank Use Equifax?

What is Altapacific Bank's ACH Routing Number?

What is Altapacific Bank's SWIFT code?


Does Altapacific Bank offer mortgages?

Compare mortgage rates here.

Does Altapacific Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Altapacific Bank offer personal loans?

Compare personal loan rates here.

Does Altapacific Bank offer student loans?

Will Altapacific Bank cash a check?

Will Altapacific Bank redeem a savings bond?

Does Altapacific Bank cash savings bonds?

Will Altapacific Bank cash money orders?

Can Altapacific Bank issue a money order?

Does Altapacific Bank do currency exchange?

Background on The Bank

Who owns Altapacific Bank?

How long has Altapacific Bank been around?

Can Altapacific Bank transfer to other banks?

Does Altapacific Bank have quick pay?

Does Altapacific Bank accept rolled coins?

Will Altapacific Bank accept loose change?

Where is Altapacific Bank headquarters?

Customer Reviews for AltaPacific Bank

There are currently no comments for AltaPacific Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →