AltaPacific Bank

4845 Old Redwood Highway
Santa Rosa, CA 95403

Notable Rates APY Vs.Others
Savings 0.10% 2.25% →
1-Year CD 0.45% 2.25% →
2-Year CD 0.50% 2.50% →
5-Year CD 0.50% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

AltaPacific Bank is an FDIC insured institution located in Santa Rosa, CA. It was founded in 2006 and has approximately $0.43 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 58275
Date Established 2006
Assets $0.43 billion
Loans $0.33 billion
Deposits $0.31 billion
Capital $0.06 billion

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 - December 12, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 $9,999 Learn MoreShow Less
Money Market
0.17% $10,000 $24,999 Learn MoreShow Less
Money Market
0.22% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.10% $1,000 $99,999 Learn MoreShow Less
0.15% $10,000 $24,999 Learn MoreShow Less
0.25% $10,000 $24,999 Learn MoreShow Less
0.45% $10,000 $24,999 Learn MoreShow Less
0.50% $10,000 $24,999 Learn MoreShow Less
0.50% $10,000 $24,999 Learn MoreShow Less
0.50% $10,000 $24,999 Learn MoreShow Less
0.50% $10,000 $24,999 Learn MoreShow Less

0.30% $1 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - December 12, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.633% 3.625% 0.13 $248 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
First Internet Bank
NMLS ID: 424182
3.625% 3.625% -0.25 ($498) $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$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.

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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
0.04% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2019, AltaPacific Bank had $27,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $58,717,000 in equity and $4,216,000 in loans loss reserves. That gives it a Texas Ratio of 0.04%.

Return on Equity
AltaPacific Bank U.S. Bank Average
8.94% 9.50%

AltaPacific Bank has a Return on Equity of 8.94% versus the BestCashCow average of 9.50%. 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
13.53% 12.76%

AltaPacific Bank has a Capitalization of 13.53% versus the BestCashCow average of 12.76. 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 June 30, 2019, AltaPacific Bank had assets of $434,025,000, loans of $334,379,000, and deposits of $307,267,000. 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

June 30, 2019
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.33 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.38 billion
Total deposits $0.31 billion
      Interest-bearing deposits $0.18 billion
      Deposits held in domestic offices $0.31 billion
      % insured (estimated) 55.11%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.06 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.38 billion
      Shareholders’ Equity $0.06 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

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 8.79
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 10.77
Construction and Development Loans 18.86
Commercial Real Estate 56.64
Commercial and Industrial Loans 4.89
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?

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Are Altapacific Bank ATMs Open 24/7?

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Will Altapacific Bank notarize my document?

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Does Altapacific Bank require US citizenship to open account?

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Does Altapacific Bank Use Equifax?

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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?

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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?

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Will Altapacific Bank accept loose change?

Where is Altapacific Bank headquarters?

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