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
Unfavorable gap of $55.6M · efficiency ratio beats 93% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.00% | 0.91% | 1.22% | 1.52% | Beats 93% | 23 / 328 | | |
| Return on Equity | 14.84% | 8.43% | 11.45% | 14.43% | Beats 80% | 66 / 328 | | |
| Net Interest Margin | 4.97% | 3.03% | 3.45% | 3.83% | Beats 95% | 18 / 328 | | |
| Efficiency Ratio | 42.07% | 51.61% | 59.56% | 67.53% | Beats 93% | 24 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.24% | 0.51% | 1.03% | Beats 51% | 160 / 322 | | |
| Net Charge-Offs / Loans | 0.20% | 0.01% | 0.03% | 0.10% | Beats 15% | 275 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.15% | 11.75% | 13.15% | 15.47% | Beats 50% | 164 / 328 | | |
| Total Risk-Based Capital Ratio | 14.40% | 12.63% | 14.15% | 16.46% | Beats 54% | 151 / 328 | | |
| Equity / Assets | 13.47% | 9.15% | 10.33% | 12.01% | Beats 87% | 44 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.00% | 76.63% | 87.92% | 95.36% | 55th pctl | 144 / 323 | | |
| Loans / Assets | 77.15% | 65.18% | 74.15% | 79.98% | 65th pctl | 116 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |