WEST COAST COMMUNITY BANK

SANTA CRUZ, CA | Large | Est. Feb. 3, 2004, midnight | FDIC #57591 | RSSD #3235410 | FDIC
Latest Report: 2025-12-31

WEST COAST COMMUNITY BANK is aln large FDIC-insured commercial bank headquartered in SANTA CRUZ, CA, established in Feb. 3, 2004, midnight. As of 2025-12-31, the bank reported total assets of $2.9B and total deposits of $2.5B. Profitability stands at 2.05% ROA and 15.45% ROE, with a net interest margin of 5.44%. The bank's CET1 capital ratio is 13.05%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.65% and a Texas Ratio of 3.41%. FDIC Certificate #57591.

Assets

$2.9B

Deposits

$2.5B

Loans

$2.2B

Equity

$383M

Profitability

Return on Assets (ROA) 2.05%
Return on Equity (ROE) 15.45%
Net Interest Margin (NIM) 5.44%
Yield on Assets 6.68%
Cost of Funds 2.21%

Asset Quality

NPL Ratio 0.65%
Net Charge-Off Ratio -0.02%
Texas Ratio 3.41%
NPA Ratio 0.50%
ACL / Loans 1.76%

Capital & Liquidity

CET1 Ratio 13.05%
Tier 1 Capital 13.05%
Total Capital Ratio 14.31%
Leverage Ratio 11.32%
Loan-to-Deposit 87.63%

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