🏦Bank Scorer

WEST COAST COMMUNITY BANK

SANTA CRUZ, CA · Supervised by FDIC

Est. 2004FDIC #57,591RSSD: FDIC-57591
Part ofWEST COAST COMMUNITY BCORP→ View all charters
Satisfactory Down

Current rating · Exam: March 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.16%

Institution Profile

FDIC BankFind

Address

75 River St, SANTA CRUZ, CA

County

Santa Cruz County

Established

February 3, 2004

Total Assets

$2.9B(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

March 1, 2026

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.9B

Total Deposits

$2.5B

Net Loans

$2.2B

Net Income

$16M

ROA

2.16%

ROE

16.06%

Risk-Based Capital

14.59%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$2.3B

1-Year Change

+2

5-year net change: +3 branches

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

6 previous ratings locked — dating back to 2006

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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