AltaPacific Bank

3725 Westwind Blvd, Suite 100
Santa Rosa, CA 95403

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58275
Date Established 2006
Assets $0.42 billion
Loans $0.26 billion
Deposits $0.33 billion
Capital $0.06 billion

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 5 branches.

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.

Bank Loan Profile?

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

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 8.53
Multifamily
Mortgages
10.90
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 17.10
Construction and Development Loans 16.25
Commercial Real Estate 55.94
Commercial and Industrial Loans 9.90
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $10,000 $24,999 Learn MoreShow Less
6 Mo CD 10K
0.15% $10,000 $24,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.10% $1 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.10% $1 $9,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.10% $1,000 $9,999 Learn MoreShow Less
MM 10K
0.17% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.22% $25,000 $74,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.10% $1,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1 - Learn MoreShow Less

Loan Rates

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.771% 3.750% 0.00 $642 $1,158 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to AltaPacific Bank
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Branches

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:
Ashburn,Virginia


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 BestCashCow.com 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
1.71% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, AltaPacific Bank had $874,000 in non-current loans and $241,000 in owned real estate. To cover these potential losses it had $61,796,000 in equity and $3,486,000 in loans loss reserves. That gives it a Texas Ratio of 1.71%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
AltaPacific Bank U.S. Bank Average
8.69% 8.58

AltaPacific Bank has a Return on Equity of 8.69% versus the BestCashCow average of 8.58. 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.

Capitalization
AltaPacific Bank U.S. Bank Average
14.67% 12.11

AltaPacific Bank has a Capitalization of 14.67% versus the BestCashCow average of 12.11. 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, 2017, AltaPacific Bank had assets of $421,313,000, loans of $259,863,000, and deposits of $330,015,000. 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.

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?

Yes

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?

Products

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?

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