Community Bank of Santa Maria
Santa Maria, CA · Cert 57073 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Community Bcorp of Santa Maria
State charter, non-member · FDIC · 2 branches
Q2 2026
$396.5MAssets
$295.4MLoans
$350.4MDeposits
$38.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets operating in a single state (rank 655 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.11%
Rank 349 of 746
Net Interest Margin
4.23%
Rank 166 of 746
Efficiency Ratio
68.81%
Rank 446 of 746
Equity / Assets
9.72%
Rank 466 of 746
Non-interest income vs. expense
Unfavorable gap of $11.4M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.72% | 1.06% | 1.45% | Beats 53% | 349 / 746 | |
| Return on Equity | 11.37% | 6.74% | 10.51% | 13.63% | Beats 58% | 311 / 746 | |
| Net Interest Margin | 4.23% | 3.17% | 3.68% | 4.16% | Beats 78% | 166 / 746 | |
| Efficiency Ratio | 68.81% | 55.74% | 64.58% | 75.47% | Beats 40% | 446 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.09% | 0.42% | 1.07% | Beats 70% | 224 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.49% | 11.55% | 13.75% | 17.60% | Beats 14% | 645 / 746 | |
| Total Risk-Based Capital Ratio | 10.49% | 11.71% | 14.33% | 18.43% | Beats 12% | 655 / 746 | |
| Equity / Assets | 9.72% | 8.90% | 10.51% | 13.06% | Beats 38% | 466 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 84.32% | 61.31% | 78.27% | 90.78% | 64th pctl | 271 / 746 | |
| Loans / Assets | 74.51% | 53.60% | 66.97% | 76.08% | 70th pctl | 226 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |