🏦Bank Scorer

COMMUNITY BANK OF SANTA MARIA

SANTA MARIA, CA · Supervised by FDIC

Est. 2001FDIC #57,073RSSD: FDIC-57073
Part ofCOMMUNITY BCORP OF SANTA MARIA→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.01%

Institution Profile

FDIC BankFind

Address

2739 Santa Maria Way, SANTA MARIA, CA

County

Santa Barbara County

Established

March 1, 2001

Total Assets

$405M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$405M

Total Deposits

$357M

Net Loans

$294M

Net Income

$1M

ROA

1.01%

ROE

10.65%

Risk-Based Capital

14.30%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$367M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2003

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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