West Coast Community Bank
Santa Cruz, CA
IDRSSD: 3235410
Total Assets
$2.84B
Latest filing
Total Deposits
$2.44B
Latest filing
Net Interest Margin
5.54%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
West Coast Community Bank
75 River St
Santa Cruz, CA 95060
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/03/2004FDIC Certificate 366199
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| West Coast Community Bank (Main) | 75 River St | Santa Cruz, CA |
| SCOTTS VALLEY BRANCH | 4604 Scotts Valley Dr | Scotts Valley, CA |
| WATSONVILLE BRANCH | 595 Auto Center Dr | Watsonville, CA |
| MONTEREY BRANCH | 300 Bonifacio Pl | Monterey, CA |
| CAPITOLA BRANCH | 819 Bay Ave | Capitola, CA |
| KING CITY BRANCH | 432 Broadway St | King City, CA |
| APTOS BRANCH | 7775 Soquel Dr | Aptos, CA |
| CUPERTINO BRANCH | 19240 Stevens Creek Blvd | Cupertino, CA |
Showing 7 of 9
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/03/2004 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 95060 |
| State and County Number | 06087 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Santa Cruz-Watsonville, CA |
Operational Info
| Number of Employees | 215 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/01/2025 |
| Date of Deposit Insurance | 02/03/2004 |
| Primary Insurance Agency | DIF |
| Website | www.wccb.com |
| Data Updated | 11/14/2025 |
| CERT | 57591 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.84B |
| Total Deposits | $2.44B |
| Total Liabilities | $2.46B |
| Total Equity Capital | $378.33M |
| Net Income | $12.29M |
| Net Loans and Leases | $2.09B |
| Assets Per Employee ($Millions) | $12.96M |
| Bank Premises and Fixed Assets | $15.09M |
| Cash and Balances due from Depository Institutions | $143.75M |
| Deposits Held in Domestic Offices | $2.44B |
Key Performance Ratios
| Return on Assets (ROA) | 1.79% |
| Return on Equity (ROE) | 13.17% |
| Net Interest Margin | 5.54% |
| Efficiency Ratio | 39.59% |
| Tier 1 Risk-Based Capital Ratio | 13.344% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.51% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.332% |
| Earning Assets to total Assets | 92.62% |
Income and Expense
| Total Interest Income | $43.16M |
| Total Noninterest Income | $967.00k |
| Total Interest Expense | $8.02M |
| Total Noninterest Expense | $15.36M |
| Net Interest Income | $35.14M |
| Pre-tax Net Operating Income | $17.26M |
| Provision for Credit Losses | $3.49M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $21.66M |
| Total Liabilities and Capital | $2.84B |
Securities
| Securities | $434.58M |
| Available-for-sale debt securities | $428.01M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $6.57M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of West Coast Community Bank?
$2.84B as of the latest filing.
How much are West Coast Community Bank's total deposits?
$2.44B in total deposits.
Where is West Coast Community Bank located?
Santa Cruz, CA.
What is the Net Interest Margin?
5.54%.
How many domestic offices does it operate?
10.
When was it established?
02/03/2004.
What is the Return on Assets (ROA)?
1.79%.
How much are total loans and leases?
$2.09B (latest filing).
What is the total interest income (latest filing)?
$43.16M.