PackageTrendsPeer
Letter portraitLegal landscape

West Coast Community Bank

Santa Cruz, CA · Cert 57591 · West Coast Community Bcorp

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

West Coast Community Bank

Santa Cruz, CA · Cert 57591 · West Coast Community Bcorp

State charter, non-member · FDIC · 10 branches

Q2 2026

$2.9BAssets
$2.3BLoans
$2.5BDeposits
$396.6MEquity
Loan mix
89%RE $1.9B11%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $1.5B40%Noninterest $1.0BQ2 2025Q2 2026

NIM

5.99%Q2 ’246.08%Q2 ’255.93%Q2 ’26+6%-3%

Non-interest income vs. expense

2.11%Q2 ’242.29%Q2 ’252.13%Q2 ’26+11%-10%

Market Position · Santa Cruz-Watsonville, CA · 2026 SOD (annual) · 16.3% share · #3 of 10 inst. · $1.3B of $8.0B

16.3% Santa Cruz
7.9% Monterey
0.1% Santa Clara
0.6% San Luis Obispo

Executive Summary

  • Earnings: ROA of 2.02%, up 13 bps year over year; NIM at 4.97%.
  • Asset quality: problem loans at 0.50% of loans (+30 bps YoY), with net charge-offs at 0.38%.
  • Capital: tier 1 leverage ratio of 12.05%, up 10 bps from a year ago.
  • Funding: loans stand at 90.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.02%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.97%-13 bps YoY

Efficiency Ratio (YTD, annualized)

39.38%-218 bps YoY

Tier 1 Leverage Ratio

12.05%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.90%1.85%1.91%2.16%2.02%+13 bps
Return on Equity14.18%13.84%14.28%16.06%15.04%+86 bps
Net Interest Margin5.10%4.97%4.82%4.96%4.97%-13 bps
Efficiency Ratio41.55%40.87%40.54%38.99%39.38%-218 bps
Non-Interest Burden2.14%2.05%1.97%1.87%1.93%-21 bps
Growth
Asset Growth (YoY)54.83%57.60%7.59%8.91%11.10%-4,373 bps
Loan Growth (YoY)52.12%52.54%6.22%5.42%7.65%-4,446 bps
Deposit Growth (YoY)57.85%59.62%7.25%9.72%11.65%-4,620 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.67%0.65%0.49%0.50%+30 bps
Net Charge-Offs / Loans0.00%0.00%-0.02%0.61%0.38%+38 bps
Allowance / Loans1.59%1.74%1.76%1.56%1.55%-4 bps
Allowance Coverage of NPLs7.8x2.6x2.7x3.2x3.1x-4.7x
Capital
Tier 1 Leverage Ratio11.95%11.74%11.32%11.98%12.05%+10 bps
Total Risk-Based Capital14.44%14.60%14.31%14.59%14.40%-4 bps
Equity / Assets13.89%13.33%13.27%13.63%13.47%-41 bps
Liquidity & Funding
Loans / Deposits93.34%87.26%87.63%89.63%90.00%-334 bps
Liquid Assets / Assets0.31%3.88%5.58%4.64%3.83%+352 bps
CRE / Total Capitaln/a521%527%512%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

West Coast Community Bank

Santa Cruz, CA · Cert 57591 · Peer group: banks $1B-$10B in assets (n=313-319) · West Coast Community Bcorp

State charter, non-member · FDIC · 10 branches

Q2 2026

$2.9BAssets
$2.3BLoans
$2.5BDeposits
$396.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks $1B-$10B in assets (rank 17 of 319).
  • Widest gap: net charge-offs / loans trails 84% of banks $1B-$10B in assets (rank 264 of 313).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.00%

Rank 25 of 319

Net Interest Margin

4.97%

Rank 17 of 319

Efficiency Ratio

42.07%

Rank 26 of 319

Equity / Assets

13.47%

Rank 42 of 319

Non-interest income vs. expense

$6.0M$61.6MINCOMEEXPENSE
Unfavorable gap of $55.6M · efficiency ratio beats 92% of banks $1B-$10B in assets
Bank 42.07%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.00%0.91%1.21%1.53%Beats 92%25 / 319
Return on Equity14.84%8.49%11.44%14.57%Beats 78%69 / 319
Net Interest Margin4.97%3.06%3.43%3.81%Beats 95%17 / 319
Efficiency Ratio42.07%51.90%59.57%67.64%Beats 92%26 / 319
Asset Quality
Nonperforming Loans / Loans0.50%0.25%0.54%1.18%Beats 52%150 / 313
Net Charge-Offs / Loans0.20%0.01%0.04%0.12%Beats 16%264 / 313
Capital
Tier 1 Capital Ratio13.15%11.74%12.99%15.28%Beats 52%153 / 319
Total Risk-Based Capital Ratio14.40%12.61%14.01%16.23%Beats 55%144 / 319
Equity / Assets13.47%9.03%10.33%12.01%Beats 87%42 / 319
Liquidity & Funding
Loans / Deposits90.00%76.76%88.16%95.43%55th pctl140 / 314
Loans / Assets77.15%65.79%74.05%79.84%64th pctl115 / 319
Brokered Deposits / Depositsn/aNot reported for this institution