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Overview / Commentary
3725 Westwind Blvd, Suite 100
Santa Rosa, CA 95403

AltaPacific Bank is headquartered in Santa Rosa and is the 122nd largest bank in the state of California. It is also the 2,421st largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 34 employees at 3 locations. AltaPacific Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 AltaPacific Bank had $694,000 in non-current loans and owned real-estate with $49.73 million in equity and loan loss allowances on hand to cover it. This gives AltaPacific Bank a Texas Ratio of 1.40% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for AltaPacific Bank experienced no significant changes from 1.52% as of March 31, 2013 to 1.40% as of March 31, 2014, resulting in a positive change of 8.40%.This indicates that the balance sheet and financial strength for AltaPacific Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, AltaPacific Bank has increased its total deposits by $29.58 million, resulting in 17.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth AltaPacific Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. AltaPacific Bank has $266.72 million in assets with $49.73 million in equity, resulting in a capitalization level of 18.65%, which is excellent.

Institution Statistics

FDIC Certificate #58275
Year Established2006
Primary RegulatorFED
Assets and Liabilities
Assets$266.72 million
Loans$155.92 million
Deposits$197.85 million
Equity Capital$47.56 million
Loan Loss Allowance$2.17 million
Unbacked Noncurrent Loans$103,000
Real Estate Owned$591,000
Historic Data - March 2013
Assets$220.20 million
Equity Capital$45.80 million
Loan Loss Allowance$1.66 million
Unbacked Noncurrent Loans$103,000
Real Estate Owned$591,000
Profit Margin - Quarterly
Net Interest Margin4.95%
Return on Assets0.76%
Return on Equity4.07%
Interest Income$3.05 million

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AltaPacific Bank Locations
Covina Branch100 North Azusa AvenueCovina, CA 91722
Altapacific Bank3725 Westwind Blvd, Suite 100Santa Rosa, CA 95403
Inland Empire Branch9373 Haven AvenueRancho Cucamonga, CA 91730