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West Coast Community Bank
Santa Cruz, CA · FDIC Certificate #57591 · Chartered 02/0
Total assets
$2.94B
Total deposits
$2.52B
Total equity
$396.63M
Net loans
$2.24B
Branches (offices)
10
Net income (YTD)
$29.43M
Rank: #434 of 4,213 U.S. banks by assets · #34 of 115 in California. Assets changed 11.1% and deposits 11.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.02% |
| Return on equity | 15.04% |
| Net interest margin (YTD) | 5.20% |
| Equity to assets | 13.47% |
| Tier 1 leverage ratio | 12.05% |
| Uninsured deposits (share of deposits) | 56.3% |
| Noncurrent loans (share of loans) | 0.50% |
| Net charge-offs (share of loans) | 0.39% |
| Loans to deposits | 88.6% |
| Real estate loans (share of loans) | 88.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.97B | 88.0% | |
| Commercial & industrial | $229.99M | 10.3% | |
| Consumer / individual | $71.00K | 0.0% | |
| Construction & development | $259.02M | 11.6% | |
| Agricultural | $41.39M | 1.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.76B | $1.56B | $11.75M | $185.53M |
| Jun 2023 | $1.75B | $1.47B | $17.20M | $208.20M |
| Jun 2024 | $1.71B | $1.43B | $17.77M | $245.66M |
| Jun 2025 | $2.65B | $2.26B | $25.29M | $368.00M |
| Jun 2026 | $2.94B | $2.52B | $29.43M | $396.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $2.52B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.52B.
Similar-sized banks
Texas Regional Bank ($2.95B) · First Federal Savings And Loan Association Of Lakewood ($2.94B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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