West Coast Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Coast Community Bank of Santa Cruz, CA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.92% | 1.46% | +0.46% | 84th top |
| ROAE | 13.98% | 12.71% | +1.27% | 62nd above |
| Net Interest Margin | 5.18% | 3.85% | +1.33% | 96th top |
| Efficiency Ratio | 39.60% | 57.43% | -17.83% | 93rd top |
| PPNR / Avg Assets | 2.90% | 1.88% | +1.02% | 94th top |
| Yield on Earning Assets | 6.31% | 5.72% | +0.59% | 85th top |
| Cost of Funds | 1.25% | 2.02% | -0.77% | 88th top |
| Net Interest Spread | 4.25% | 3.18% | +1.07% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.63% | 1.00% | -0.37% | 50th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.72% | 0.76% | -0.04% | 36th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.17% | 0.43% | -0.26% | 21st bottom |
| ACL / Total Loans | 1.55% | 1.31% | +0.24% | 88th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 246.40% | 543.70% | -297.30% | 63rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.71% | 7.39% | -1.68% | 44th below |
| Provision / NCO | 29.17% | 619.40% | -590.23% | 15th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.15% | 17.34% | -4.19% | 44th below |
| Tier 1 Ratio | 13.15% | 17.37% | -4.22% | 44th below |
| Total Capital Ratio | 14.40% | 18.42% | -4.02% | 46th below |
| Leverage Ratio | 12.05% | 11.44% | +0.61% | 77th top |
| Equity / Assets | 13.47% | 11.33% | +2.14% | 87th top |
| TCE / Tangible Assets | 11.61% | 10.50% | +1.11% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.00% | 86.95% | +3.05% | 46th below |
| Core Deposit Ratio | 97.83% | 85.54% | +12.29% | 96th top |
| Uninsured Deposit Ratio | 56.26% | 33.10% | +23.16% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.10% | 9.68% | +1.42% | 79th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.65% | 8.06% | -0.41% | 62nd above |
| Deposit Growth (Y/Y) | 11.65% | 7.87% | +3.78% | 80th top |
See West Coast Community Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Coast Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full West Coast Community Bank profile, how to read a UBPR, or how this data updates.