Side-by-side · Q2 2026 data
Community Bank of Santa Maria vs Pacific Alliance Bank
Metric by metric
| Measure | Community Bank of Santa Maria | Pacific Alliance Bank |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 55 | 84 (stronger) |
| Loan quality | 95 | 95 |
| Earnings | 63 | 82 (stronger) |
| Funding & liquidity | 63 | 63 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 50th | 88th |
| Total assets | $396.5M | $454.4M |
| Deposits / shares | $350.4M | $369.2M |
| Capital ratio | 10.49% | 13.37% (stronger) |
| Problem loans | 0.15% (stronger) | 0.16% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.07% | 1.56% (stronger) |
| Loans ÷ deposits | 83.5% (stronger) | 93.0% |
| Uninsured deposits | 27.0% | 19.2% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pacific Alliance Bank has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Community Bank of Santa Maria leads on 3 and Pacific Alliance Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.