West Coast Community Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
West Coast Community Bank runs leaner than most banks of its size. Based in Santa Cruz, California, it had $2.9 billion in assets at June 30, 2026, up 11.1% from a year earlier. It spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also keeps 5.18 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
The non-owner-occupied commercial real estate book ($850 million) is worsening: 1.18% of it is past due or on nonaccrual, up from 0.06% a year earlier. Deposits are coming in faster than loans: over the year loans rose 7.7% and deposits rose 11.6%. Funding is the softer spot: it holds about half of its deposits (56%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
As of June 30, 2026, West Coast Community Bank reported a CET1 capital ratio of 13.15%, a return on assets of 1.92%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 2.70%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 75 River St, Santa Cruz, CA 95060
- County
- Santa Cruz
- Metro Area
- Santa Cruz-Watsonville, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 3, 2004
- Offices
- 11 domestic
- Employees (FTE)
- 209
- Domestic deposits
- $2.52B
- Allowance for credit losses
- $35.1M
- Net charge-offs (YTD)
- $4.3M
- Average total assets
- $2.89B
- Average total loans
- $2.23B
- Average interest-bearing deposits
- $1.48B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 3, 2004
- FDIC Cert
- 57591
- Fed RSSD
- 3235410
- SEC CIK
- 2105965 → filed by WEST COAST COMMUNITY BANCORP
- Website
- www.wccb.com →
- Parent Holding Company
- WEST COAST COMMUNITY BANCORP (RSSD 5851711) · WCCB
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full West Coast Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock West Coast Community Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
West Coast Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for West Coast Community Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.15% | 1.92% | 0.63% | 2.70% | 5.18% |
| Q1 2026 | 13.34% | 2.17% | 0.62% | 2.91% | 5.12% |
| Q4 2025 | 13.05% | 2.02% | 0.70% | 3.43% | 5.20% |
| Q3 2025 | 13.34% | 1.76% | 0.73% | 3.56% | 5.33% |
| Q2 2025 | 13.19% | 1.99% | 0.67% | 1.23% | 5.34% |
| Q1 2025 | 12.99% | 1.79% | 0.63% | 0.67% | 5.23% |
| Q4 2024 | 12.74% | 0.68% | 0.54% | 0.17% | 5.44% |
| Q3 2024 | 15.34% | 1.89% | 0.19% | 0.95% | 4.94% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Coast Community Bank (main office) | Santa Cruz , CA | 95060 | $526.9M |
| Monterey Branch | Monterey , CA | 93940 | $434.4M |
| Salinas Branch | Salinas , CA | 93901 | $374.1M |
| Watsonville Branch | Watsonville , CA | 95076 | $282.5M |
| Cupertino Branch | Cupertino , CA | 95014 | $222.8M |
| Capitola Branch | Capitola , CA | 95010 | $213.6M |
| Scotts Valley Branch | Scotts Valley , CA | 95066 | $169.4M |
| King City Branch | King City , CA | 93930 | $132.5M |
| Aptos Branch | Aptos , CA | 95003 | $113.3M |
| San Luis Obispo Branch | San Luis Obispo , CA | 93401 | $54.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2024 | Structure Change | Acquired 1st Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 2019 | Structure Change | Acquired Lighthouse Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for West Coast Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in CA, rank 55 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 16 loans, $10.8M approved, $677K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about West Coast Community Bank
What are West Coast Community Bank's total assets?
As of the Q2 2026 filing, West Coast Community Bank reported total assets of $2.94 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is West Coast Community Bank headquartered?
West Coast Community Bank is headquartered in Santa Cruz, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was West Coast Community Bank founded?
West Coast Community Bank was established in 2004, per the FDIC institution directory.
Is West Coast Community Bank FDIC-insured?
Yes. West Coast Community Bank is an FDIC-insured commercial bank (FDIC Certificate #57591). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Coast Community Bank?
West Coast Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is West Coast Community Bank's CET1 capital ratio?
West Coast Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does West Coast Community Bank operate?
West Coast Community Bank operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Coast Community Bank's Texas Ratio?
West Coast Community Bank's Texas Ratio is 2.70% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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