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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=322 to 328). 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

93

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 $0.0BQ3 2024Q2 2026
Deposit mix
60%Interest-bearing $1.5B40%Noninterest $1.0BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.98%1.58%1.79%1.90%1.85%1.91%2.16%2.02%+13 bps
Return on Equity14.33%11.66%13.65%14.18%13.84%14.28%16.06%15.04%+86 bps
Net Interest Margin4.76%3.65%5.05%5.10%4.97%4.82%4.96%4.97%-13 bps
Efficiency Ratio43.35%47.90%42.07%41.55%40.87%40.54%38.99%39.38%-218 bps
Non-Interest Burden1.95%1.70%2.15%2.14%2.05%1.97%1.87%1.93%-21 bps
Growth
Asset Growth (YoY)1.55%49.38%55.21%54.83%57.60%7.59%8.91%11.10%-4,373 bps
Loan Growth (YoY)1.40%44.92%52.69%52.12%52.54%6.22%5.42%7.65%-4,446 bps
Deposit Growth (YoY)-0.13%52.53%54.95%57.85%59.62%7.25%9.72%11.65%-4,620 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.03%0.11%0.20%0.67%0.65%0.49%0.50%+30 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%-0.02%0.61%0.38%+38 bps
Allowance / Loans1.66%1.55%1.57%1.59%1.74%1.76%1.56%1.55%-4 bps
Allowance Coverage of NPLs9.6x51.2x14.7x7.8x2.6x2.7x3.2x3.1x-4.7x
Capital
Tier 1 Leverage Ratio13.61%10.94%11.54%11.95%11.74%11.32%11.98%12.05%+10 bps
Total Risk-Based Capital16.60%13.99%14.24%14.44%14.60%14.31%14.59%14.40%-4 bps
Equity / Assets14.23%12.84%13.46%13.89%13.33%13.27%13.63%13.47%-41 bps
Liquidity & Funding
Loans / Deposits91.31%88.48%93.29%93.34%87.26%87.63%89.63%90.00%-334 bps
Liquid Assets / Assets6.65%2.45%0.66%0.31%3.88%5.58%4.64%3.83%+352 bps
CRE / Total Capitaln/an/an/an/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=322-328) · 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 18 of 328).
  • Widest gap: net charge-offs / loans trails 85% of banks $1B-$10B in assets (rank 275 of 322).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.00%

Rank 23 of 328

Net Interest Margin

4.97%

Rank 18 of 328

Efficiency Ratio

42.07%

Rank 24 of 328

Equity / Assets

13.47%

Rank 44 of 328

Non-interest income vs. expense

$6.0M$61.6MINCOMEEXPENSE
Unfavorable gap of $55.6M · efficiency ratio beats 93% 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 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.00%0.91%1.22%1.52%Beats 93%23 / 328
Return on Equity14.84%8.43%11.45%14.43%Beats 80%66 / 328
Net Interest Margin4.97%3.03%3.45%3.83%Beats 95%18 / 328
Efficiency Ratio42.07%51.61%59.56%67.53%Beats 93%24 / 328
Asset Quality
Nonperforming Loans / Loans0.50%0.24%0.51%1.03%Beats 51%160 / 322
Net Charge-Offs / Loans0.20%0.01%0.03%0.10%Beats 15%275 / 322
Capital
Tier 1 Capital Ratio13.15%11.75%13.15%15.47%Beats 50%164 / 328
Total Risk-Based Capital Ratio14.40%12.63%14.15%16.46%Beats 54%151 / 328
Equity / Assets13.47%9.15%10.33%12.01%Beats 87%44 / 328
Liquidity & Funding
Loans / Deposits90.00%76.63%87.92%95.36%55th pctl144 / 323
Loans / Assets77.15%65.18%74.15%79.98%65th pctl116 / 328
Brokered Deposits / Depositsn/aNot reported for this institution