TellerScore

West Coast Community Bank is a state-chartered bank headquartered in Santa Cruz, California, in business for about 22 years. At the end of Q2 2026 it reported $2.9B in total assets and $2.5B in deposits, with 11 offices.

West Coast Community Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 34th. Earnings contributes the most (100/100, 2.02%); funding & liquidity contributes the least (26/100, 89% loans-to-deposits, 56% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 12.05%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.50%
Earnings100/100
Return on assets (annualized): 2.02%
Funding & liquidity26/100
Loans ÷ deposits and uninsured-deposit share: 88.6% · 56.3% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.24%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (77 → 75), mostly because the loan quality component weakened by 10 points.

TellerScore
717885Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202484
Q4 202475
Q1 202576
Q2 202577
Q3 202573
Q4 202571
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%9.30%13.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.36%
Q3 202413.61%
Q4 202410.94%
Q1 202511.54%
Q2 202511.95%
Q3 202511.74%
Q4 202511.32%
Q1 202611.98%
Q2 202612.05%
Noncurrent loans
0.00%0.34%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.17%
Q4 20240.03%
Q1 20250.11%
Q2 20250.20%
Q3 20250.67%
Q4 20250.65%
Q1 20260.49%
Q2 20260.50%
Return on assets
1.58%1.87%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.04%
Q3 20241.98%
Q4 20241.58%
Q1 20251.79%
Q2 20251.90%
Q3 20251.85%
Q4 20251.91%
Q1 20262.16%
Q2 20262.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$2.9B12.05%0.50%2.02%88.6%
Q1 202675$2.9B11.98%0.49%2.16%88.2%
Q4 202571$2.9B11.32%0.65%1.91%86.1%
Q3 202573$2.8B11.74%0.67%1.85%85.7%
Q2 202577$2.7B11.95%0.20%1.90%91.9%
Q1 202576$2.7B11.54%0.11%1.79%91.8%
Q4 202475$2.7B10.94%0.03%1.58%87.1%
Q3 202484$1.8B13.61%0.17%1.98%89.8%
Q2 202485$1.7B13.36%0.00%2.04%95.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.05%
77th
Total risk-based capital14.40%
59th
Problem loans0.50%
51st
Net charge-offs0.39%
11th
Return on assets2.02%
89th
Net interest margin5.20%
96th
Efficiency ratio39.4%
93rd
Loans to deposits88.6%
46th
Uninsured deposits56.3%
6th
Loan-loss reserves1.55%
88th
Texas ratio4.2%
44th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Open BankBank Los Angeles, CA47 out of 100, Below average$2.7B10.1%2.09%vs
CalPrivate BankBank La Jolla, CA65 out of 100, Moderate$2.7B11.5%1.26%vs
Exchange BankBank Santa Rosa, CA77 out of 100, Strong$3.2B12.6%0.55%vs
AvidbankBank San Jose, CA70 out of 100, Strong$2.7B12.0%0.65%vs
United Business BankBank Walnut Creek, CA60 out of 100, Moderate$2.6B11.7%0.47%vs
El Dorado Savings Bank, F.S.B.Bank Placerville, CA84 out of 100, Strong$2.4B13.4%0.28%vs

Deposit insurance

Is my money safe at West Coast Community Bank?

Yes. West Coast Community Bank is an FDIC-insured institution (FDIC certificate #57591). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 56.3% of deposits ($1.4B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.40% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

West Coast Community Bank lists 11 offices in 11 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
West Coast Community Bank
Former names
Santa Cruz County Bank
Type
State-chartered bank
FDIC certificate #
57591
RSSD ID
3235410
Primary regulator
FDIC
Holding company
West Coast Community Bcorp
Established
February 3, 2004
Headquarters
75 River St, Santa Cruz, CA 95060
Employees
209

Quick answers

West Coast Community Bank: common questions

Is West Coast Community Bank FDIC insured?

Yes. West Coast Community Bank is an FDIC-insured institution (FDIC certificate #57591). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is West Coast Community Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has West Coast Community Bank ever failed?

There is no failure record for FDIC certificate #57591 in the FDIC failed bank list.

How many branches does West Coast Community Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Santa Cruz

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Commonwealth Central Credit UnionCredit union San Jose, CA80 out of 100, Strong$624.9M14.2%0.41%vs
Star One Credit UnionCredit union Sunnyvale, CA77 out of 100, Strong$9.7B14.1%0.13%vs
Citizens Business Bank, National AssociationBank Ontario, CA73 out of 100, Strong$21.2B11.4%0.14%vs
Liberty Bank, National AssociationBank Irvine, CA72 out of 100, Strong$399.2M14.4%0.00%vs
Provident Credit UnionCredit union Redwood City, CA72 out of 100, Strong$3.6B10.9%0.07%vs