Santa Cruz, CA · Cert 57591 · West Coast Community Bcorp
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Santa Cruz-Watsonville, CA · 2026 SOD (annual) · 16.3% share · #3 of 10 inst. · $1.3B of $8.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.88% | 0.82% | 1.79% | 2.01% | 1.79% | 2.05% | 2.16% | 1.89% | -11 bps | |
| Return on Equity | 13.19% | 6.11% | 13.65% | 14.67% | 13.17% | 15.45% | 16.06% | 13.98% | -69 bps | |
| Net Interest Margin | 4.80% | 5.25% | 5.05% | 5.15% | 5.17% | 5.03% | 4.96% | 5.00% | -15 bps | |
| Efficiency Ratio | 44.65% | 56.19% | 42.07% | 41.05% | 39.59% | 39.58% | 38.99% | 39.76% | -129 bps | |
| Non-Interest Burden | 2.03% | 3.00% | 2.15% | 2.12% | 2.07% | 2.00% | 1.87% | 1.99% | -13 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 / Loans | 0.17% | 0.03% | 0.11% | 0.20% | 0.67% | 0.65% | 0.49% | 0.50% | +30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | -0.06% | 0.61% | 0.17% | +17 bps | |
| Allowance / Loans | 1.66% | 1.55% | 1.57% | 1.59% | 1.74% | 1.76% | 1.56% | 1.55% | -4 bps | |
| Allowance Coverage of NPLs | 9.6x | 51.2x | 14.7x | 7.8x | 2.6x | 2.7x | 3.2x | 3.1x | -4.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.61% | 10.94% | 11.54% | 11.95% | 11.74% | 11.32% | 11.98% | 12.05% | +10 bps | |
| Total Risk-Based Capital | 16.60% | 13.99% | 14.24% | 14.44% | 14.60% | 14.31% | 14.59% | 14.40% | -4 bps | |
| Equity / Assets | 14.23% | 12.84% | 13.46% | 13.89% | 13.33% | 13.27% | 13.63% | 13.47% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.31% | 88.48% | 93.29% | 93.34% | 87.26% | 87.63% | 89.63% | 90.00% | -334 bps | |
| Liquid Assets / Assets | 6.65% | 2.45% | 0.66% | 0.31% | 3.88% | 5.58% | 4.64% | 3.83% | +352 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 521% | 527% | 512% | n/a | n/a | |