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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

$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

6.00%Q2 ’246.16%Q2 ’255.97%Q2 ’26+7%-3%

Non-interest income vs. expense

2.15%Q2 ’242.29%Q2 ’252.14%Q2 ’26+8%-6%

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 1.89%, down 11 bps year over year; NIM at 5.00%.
  • Asset quality: problem loans at 0.50% of loans (+30 bps YoY), with net charge-offs at 0.17%.
  • 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 (quarter, annualized)

1.89%-11 bps YoY

Net Interest Margin (quarter, annualized)

5.00%-15 bps YoY

Efficiency Ratio (quarter, annualized)

39.76%-129 bps YoY

Tier 1 Leverage Ratio

12.05%+10 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.01%1.79%2.05%2.16%1.89%-11 bps
Return on Equity14.67%13.17%15.45%16.06%13.98%-69 bps
Net Interest Margin5.15%5.17%5.03%4.96%5.00%-15 bps
Efficiency Ratio41.05%39.59%39.58%38.99%39.76%-129 bps
Non-Interest Burden2.12%2.07%2.00%1.87%1.99%-13 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 / Loans-0.01%0.00%-0.06%0.61%0.17%+17 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