COMMUNITY BANK OF SANTA MARIA

SANTA MARIA, CA | Small | Est. March 1, 2001, midnight | FDIC #57073 | RSSD #2997216 | FDIC
Latest Report: 2025-12-31

COMMUNITY BANK OF SANTA MARIA is asn small FDIC-insured commercial bank headquartered in SANTA MARIA, CA, established in March 1, 2001, midnight. As of 2025-12-31, the bank reported total assets of $429M and total deposits of $385M. Profitability stands at 1.11% ROA and 11.46% ROE, with a net interest margin of 4.49%. The bank's CET1 capital ratio is 14.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #57073.

Assets

$429M

Deposits

$385M

Loans

$288M

Equity

$42M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 11.46%
Net Interest Margin (NIM) 4.49%
Yield on Assets 5.31%
Cost of Funds 0.84%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 14.57%
Tier 1 Capital 14.57%
Total Capital Ratio 15.56%
Leverage Ratio 10.68%
Loan-to-Deposit 74.93%

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