West Coast Community Bank
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Data as of · sourced from FFIEC call reports. How we update
West Coast Community Bank is an FDIC-insured commercial bank headquartered in Santa Cruz, CA, established in 2004 (FDIC certificate 57591), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.94B, up 11.1% from Q2 2025, the 33rd largest of 113 banks headquartered in California. Its CET1 capital ratio was 13.15% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57591
- Headquarters
- Santa Cruz, CA
- Established
- 2004
- Total assets, Q2 2026
- $2.94B
- Assets vs Q2 2025
- +11.1%
- CET1 ratio, Q2 2026
- 13.15%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 121143736
- Latest call report
- Q2 2026, FFIEC 041 · West Coast Community Bank call report
- Holding company
- WEST COAST COMMUNITY BANCORP
- Asset rank in state
- 33rd of 113 in California
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, West Coast Community Bank is the 33rd largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $2.94B, loans rose 2.3% and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 37.4% of total loans, ahead of owner-occupied commercial real estate loans at 18.4%. The FDIC Summary of Deposits lists 10 offices for it, in 10 cities in CA; its Santa Cruz office books 21% of its branch deposits. By the capital ratios in its Q2 2026 call report, West Coast Community Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 10 FDIC institution directory, current count
- 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
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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, West Coast Community Bank's total assets ran between $1.71B (Q2 2024) and $2.94B (Q2 2026), 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
$2.94B total assets against $2.65B; $2.55B total liabilities against $2.28B.
$2.24B net loans and leases against $2.08B; $2.52B total deposits against $2.26B.
$388.1M securities against $365.6M; $147.0M cash and balances due against $40.4M.
$43.1M total interest income against $41.1M; $7.8M total interest expense against $7.6M.
$35.3M net interest income against $33.5M.
$1.1M total noninterest income against $1.1M; $15.4M total noninterest expense against $15.3M.
$1.5M provision for credit losses against $620K.
$13.8M net income against $13.3M.
1.92% return on assets against 1.99%; 5.18% net interest margin against 5.34%.
13.15% CET1 capital ratio against 13.19%; 12.05% tier 1 leverage ratio against 11.95%.
Inside the full West Coast Community Bank 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.
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
Its closest position to the top of a national ranking is 188 of 3,606, for efficiency ratio; its furthest is 1,351 of 2,134, for CET1 ratio.
Metric pages for West Coast Community Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.68% (Q4 2024) to 2.17% (Q1 2026) and its net interest margin ran from 4.94% (Q3 2024) to 5.44% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.15% | 1.92% | 0.50% | 2.70% | 5.18% |
| Q1 2026 | 13.34% | 2.17% | 0.49% | 2.91% | 5.12% |
| Q4 2025 | 13.05% | 2.02% | 0.65% | 3.43% | 5.20% |
| Q3 2025 | 13.34% | 1.76% | 0.67% | 3.56% | 5.33% |
| Q2 2025 | 13.19% | 1.99% | 0.20% | 1.23% | 5.34% |
| Q1 2025 | 12.99% | 1.79% | 0.11% | 0.67% | 5.23% |
| Q4 2024 | 12.74% | 0.68% | 0.03% | 0.17% | 5.44% |
| Q3 2024 | 15.34% | 1.89% | 0.17% | 0.95% | 4.94% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CA, rank 55 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- 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 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.
Where is West Coast Community Bank headquartered?
It is headquartered in Santa Cruz, CA, United States.
When was West Coast Community Bank founded?
It was established in 2004, per the FDIC institution directory.
Is West Coast Community Bank FDIC-insured?
Yes. It 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.
What is West Coast Community Bank's CET1 capital ratio?
It 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?
It operates 10 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?
Its Texas Ratio is 2.70% 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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