Community Bank of Santa Maria
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Data as of · sourced from FFIEC call reports. How we update
Community Bank of Santa Maria is an FDIC-insured commercial bank headquartered in Santa Maria, CA, supervised by the FDIC, with $396.5M in total assets at Q2 2026, down 5.1% from Q2 2025, the 84th largest of 113 banks headquartered in California. It was established in 2001 and holds FDIC certificate 57073. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.49% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57073
- Headquarters
- Santa Maria, CA
- Established
- 2001
- Total assets, Q2 2026
- $396.5M
- Assets vs Q2 2025
- -5.1%
- Tier 1 leverage ratio, Q2 2026
- 10.49%
- Domestic offices
- 2 · Community Bank of Santa Maria branches FDIC institution directory, current count
- Routing number
- 122243237
- Safety and soundness
- Is Community Bank of Santa Maria safe?
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank of Santa Maria Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- COMMUNITY BANCORP OF SANTA MARIA
- Asset rank in state
- 84th of 113 in California
Community Bank of Santa Maria, based in Santa Maria, California, reported $397 million in assets at June 30, 2026, down 5.1% from a year earlier. It pays an average of 0.80% on its deposits and borrowings, about half the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 3.4% and deposits fell 4.5%. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.5 million equal 13% of Tier 1 capital, down from 20% a year earlier.
As of June 30, 2026, Community Bank of Santa Maria reported a return on assets of 1.12%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 1.08%. The figures come from its call report filed with the FFIEC.
Community Bank of Santa Maria ranks as the 84th largest of the 113 banks based in California, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.1% to $396.5M, loans fell 0.5% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 41.8% of total loans, ahead of owner-occupied commercial real estate loans at 16.8%. The FDIC Summary of Deposits lists 2 offices for it, in Santa Maria, CA. Judged on its Q2 2026 call report, Community Bank of Santa Maria meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2739 Santa Maria Way, Santa Maria, CA 93455
- County
- Santa Barbara
- Metro Area
- Santa Maria-Santa Barbara, 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 051
- Established
- March 1, 2001
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $350.4M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $404.4M
- Average total loans
- $293.8M
- Average interest-bearing deposits
- $212.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 1, 2001
- FDIC Cert
- 57073
- Fed RSSD
- 2997216
- Website
- www.yourcbsm.com →
- Parent Holding Company
- COMMUNITY BANCORP OF SANTA MARIA (RSSD 5113857)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Community Bank of Santa Maria reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Community Bank of Santa Maria's total assets ranged from $386.4M (Q1 2024) to $428.7M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$396.5M total assets against $417.6M; $358.0M total liabilities against $379.8M.
$292.5M net loans and leases against $282.8M; $350.4M total deposits against $367.0M.
$79.0M securities against $107.8M; $9.8M cash and balances due against $11.0M.
$5.0M total interest income against $4.8M; $718K total interest expense against $843K.
$4.2M net interest income against $3.9M.
$297K total noninterest income against $599K; $3.2M total noninterest expense against $2.8M.
$0 provision for credit losses against $232K.
$1.1M net income against $1.1M.
1.12% return on assets against 1.09%; 4.45% net interest margin against 4.03%.
10.49% tier 1 leverage ratio against 10.56%.
Inside the full Community Bank of Santa Maria terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
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).
Community Bank of Santa Maria rankings
Its closest position to the top of a national ranking is 2,060 of 4,196, for total assets; its furthest is 2,631 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.84% (Q1 2025) to 1.12% (Q2 2026) and its net interest margin ran from 3.83% (Q3 2024) to 4.45% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.49% | 1.12% | 0.15% | 1.08% | 4.45% |
| Q1 2026 | 10.11% | 1.02% | 0.13% | 0.98% | 4.39% |
| Q4 2025 | 10.68% | 1.10% | 0.00% | 0.00% | 4.31% |
| Q3 2025 | 10.45% | 1.08% | 0.00% | 0.01% | 4.22% |
| Q2 2025 | 10.56% | 1.09% | 0.00% | 0.02% | 4.03% |
| Q1 2025 | 10.78% | 0.84% | 0.02% | 0.16% | 3.88% |
| Q4 2024 | 10.54% | 0.99% | 0.03% | 0.17% | 3.92% |
| Q3 2024 | 10.33% | 0.85% | 0.18% | 1.19% | 3.83% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| South Broadway Branch | Santa Maria , CA | 93454 | $179.5M |
| Community Bank of Santa Maria (main office) | Santa Maria , CA | 93455 | $170.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 118 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $1.3M approved, $420K 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Bank of Santa Maria
What are Community Bank of Santa Maria's total assets?
As of the Q2 2026 filing, Community Bank of Santa Maria reported total assets of $396.5 million in its FFIEC call report.
Where is Community Bank of Santa Maria headquartered?
It is headquartered in Santa Maria, CA, United States.
When was Community Bank of Santa Maria founded?
It was established in 2001, per the FDIC institution directory.
Is Community Bank of Santa Maria FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57073). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank of Santa Maria?
Community Bank of Santa Maria's primary federal regulator is the FDIC.
How many branches does Community Bank of Santa Maria operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank of Santa Maria's Texas Ratio?
Its Texas Ratio is 1.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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