PackageTrendsPeer
Letter portraitLegal landscape

Bank of Santa Clarita

Santa Clarita, CA · Cert 57816

FDIC · 1 branch

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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 2026-10-10

Bank of Santa Clarita

Santa Clarita, CA · Cert 57816

FDIC · 1 branch

Q3 2021

$423.9MAssets
$270.5MLoans
$340.1MDeposits
$44.2MEquity
Loan mix
82%RE $132.9M18%C&I $28.9M0%Consumer $0.5MQ3 2020Q3 2021
Deposit mix
45%Interest-bearing $154.3M55%Noninterest $185.8MQ3 2020Q3 2021

NIM

3.92%Q3 ’193.01%Q3 ’203.11%Q3 ’21-18%+12%

Non-interest income vs. expense

1.75%Q3 ’191.42%Q3 ’202.64%Q3 ’21-17%+95%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2021 SOD (annual) · 0.0% share · #74 of 116 inst. · $0.3B of $767.5B

Executive Summary

  • Earnings: ROA of 0.24%, down 67 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.26% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.18%, up 54 bps from a year ago.
  • Funding: loans stand at 79.53% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.24%-67 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+30 bps YoY

Efficiency Ratio (YTD, annualized)

88.76%+3,495 bps YoY

Tier 1 Leverage Ratio

11.18%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.91%0.92%1.07%0.90%0.24%-67 bps
Return on Equity8.17%8.32%10.29%8.63%2.31%-586 bps
Net Interest Margin2.47%2.53%2.67%2.56%2.78%+30 bps
Efficiency Ratio53.81%53.93%49.62%57.34%88.76%+3,495 bps
Non-Interest Burden1.25%1.28%1.22%1.40%2.44%+119 bps
Growth
Asset Growth (YoY)23.80%22.54%37.52%10.80%8.16%-1,564 bps
Loan Growth (YoY)24.93%21.94%26.56%-0.83%-5.71%-3,064 bps
Deposit Growth (YoY)20.19%21.93%49.89%20.56%15.86%-433 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.27%0.25%0.26%0.26%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.86%0.91%0.85%0.91%0.97%+11 bps
Allowance Coverage of NPLs3.1x3.4x3.4x3.5x3.7x+0.6x
Capital
Tier 1 Leverage Ratio10.64%10.78%10.50%10.02%11.18%+54 bps
Total Risk-Based Capital16.95%15.60%16.14%15.98%15.79%-116 bps
Equity / Assets10.17%10.93%9.96%10.30%10.44%+26 bps
Liquidity & Funding
Loans / Deposits97.72%101.39%91.01%84.77%79.53%-1,819 bps
Liquid Assets / Assets18.18%12.33%17.97%21.74%25.82%+764 bps
CRE / Total Capitaln/an/an/an/an/an/an/a