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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 $0.0BQ3 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