Side-by-side · Q2 2026 data
West Coast Community Bank vs Pacific Valley Bank
Metric by metric
| Measure | West Coast Community Bank | Pacific Valley Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 70 |
| Capital cushion | 70 | 76 (stronger) |
| Loan quality | 83 | 92 (stronger) |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 26 | 26 |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 77th | 43rd |
| Total assets | $2.9B | $653.3M |
| Deposits / shares | $2.5B | $570.5M |
| Capital ratio | 12.05% | 12.60% (stronger) |
| Problem loans | 0.50% | 0.24% (stronger) |
| Net charge-offs | 0.39% | -0.02% (stronger) |
| Return on assets | 2.02% (stronger) | 0.87% |
| Loans ÷ deposits | 88.6% (stronger) | 94.5% |
| Uninsured deposits | 56.3% | 50.7% (stronger) |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Coast Community Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), West Coast Community Bank leads on 3 and Pacific Valley Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- King City, CA
- Monterey, CA
- Salinas, CA
- Santa Cruz, CA