Santa Maria, CA · Cert 57073 · Community Bcorp of Santa Maria
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Santa Maria-Santa Barbara, CA · 2026 SOD (annual) · 2.5% share · #9 of 20 inst. · $0.4B of $14.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 1.10% | 1.11% | 1.01% | 1.13% | +3 bps | |
| Return on Equity | 11.86% | 11.74% | 11.46% | 10.65% | 11.90% | +4 bps | |
| Net Interest Margin | 3.79% | 3.99% | 4.08% | 4.15% | 4.20% | +41 bps | |
| Efficiency Ratio | 61.80% | 64.96% | 66.38% | 67.75% | 69.89% | +809 bps | |
| Non-Interest Burden | 2.12% | 2.50% | 2.62% | 2.72% | 2.85% | +73 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.02% | 3.39% | 5.73% | 0.80% | -5.06% | -808 bps | |
| Loan Growth (YoY) | 10.01% | 13.07% | 12.66% | 13.18% | 3.43% | -658 bps | |
| Deposit Growth (YoY) | 2.55% | 2.46% | 4.94% | -1.11% | -4.54% | -708 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.13% | 0.15% | +15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.00% | 1.01% | +1 bps | |
| Allowance Coverage of NPLs | 285.4x | 578.6x | n/a | 7.5x | 6.6x | -278.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.56% | 10.45% | 10.68% | 10.11% | 10.49% | -7 bps | |
| Total Risk-Based Capital | 15.16% | 15.26% | 15.56% | 14.30% | 10.49% | -467 bps | |
| Equity / Assets | 9.07% | 9.64% | 9.73% | 9.31% | 9.72% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.83% | 78.39% | 74.93% | 83.19% | 84.32% | +650 bps | |
| Liquid Assets / Assets | 0.61% | 0.71% | 6.03% | 0.88% | 0.92% | +31 bps | |
| CRE / Total Capital | n/a | 450% | 445% | 494% | n/a | n/a | |