Community Bank of Santa Maria: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 121.02 percentage points in Q2 2026, from 543.41% to 664.43%. It was the largest change from Q1 2026 among the key lines here. Within California, Community Bank of Santa Maria is 54th of 114 on return on assets, 1.12% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Community Bank of Santa Maria sits 0.13 points lower, at 1.12% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.49% |
| Equity capital to assets | 9.72% |
| Tangible equity to tangible assets | 9.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.08% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 664.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 11.90% |
| Net interest margin | 4.45% |
| Efficiency ratio | 68.65% |
| Yield on earning assets | 5.18% |
| Cost of funds | 0.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.32% |
| Core deposits to total deposits | 94.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.36% |
| Securities to assets | 19.93% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.91% | 14.91% | 15.91% | 9.61% | 0.97% |
| Q4 2023 | 15.21% | 15.21% | 16.21% | 9.92% | 1.00% |
| Q1 2024 | 15.11% | 15.11% | 16.07% | 10.38% | 0.90% |
| Q2 2024 | 14.52% | 14.52% | 15.45% | 10.21% | 0.77% |
| Q3 2024 | 15.11% | 15.11% | 16.08% | 10.33% | 0.85% |
| Q4 2024 | 15.27% | 15.27% | 16.23% | 10.54% | 0.99% |
| Q1 2025 | 15.14% | 15.14% | 16.09% | 10.78% | 0.84% |
| Q2 2025 | 14.18% | 14.18% | 15.16% | 10.56% | 1.09% |
| Q3 2025 | 14.27% | 14.27% | 15.26% | 10.45% | 1.08% |
| Q4 2025 | 14.57% | 14.57% | 15.56% | 10.68% | 1.10% |
| Q1 2026 | 13.30% | 13.30% | 14.30% | 10.11% | 1.02% |
| Q2 2026 | — | — | — | 10.49% | 1.12% |
Community Bank of Santa Maria vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Santa Maria, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Bank of Santa Maria profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57073) · FFIEC NIC profile (RSSD 2997216)