West Coast Community Bank
Total assets
$2.94B
▲ +11.1% YoY
Deposits
$2.52B
▲ +11.6% YoY
Loans
$2.24B
▲ +7.7% YoY
Offices
11
WEST COAST COMMUNITY BCORP
ROA (annualized)
2.02%
peers 1.26%
ROE (annualized)
15.04%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +5.5% | +5.6 pts |
| Deposit growth (YoY) | +11.7% | +5.1% | +6.6 pts |
| Loan growth (YoY) | +7.7% | +5.9% | +1.8 pts |
| ROA | 2.02% | 1.26% | +0.8 pts |
| ROE | 15.0% | 12.2% | +2.9 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
Profile
- Established
- 2004
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- WEST COAST COMMUNITY BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 75 River St, Santa Cruz, CA, 95060
- County
- Santa Cruz
- Metro area
- Santa Cruz-Watsonville, CA
- Offices
- 11
- FDIC cert #
- 57591
- RSSD ID
- 3235410
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.94B | $2.52B | $2.24B | $396.6M | $29.4M | 2.02% | 5.20% | 0.62% |
| Q1 2026 | $2.90B | $2.48B | $2.18B | $394.6M | $15.6M | 2.16% | 5.20% | 0.62% |
| Q4 2025 | $2.88B | $2.48B | $2.13B | $382.6M | $52.3M | 1.91% | 5.41% | 0.50% |
| Q3 2025 | $2.84B | $2.44B | $2.09B | $378.3M | $37.6M | 1.85% | 5.41% | 0.51% |
| Q2 2025 | $2.65B | $2.26B | $2.08B | $368.0M | $25.3M | 1.90% | 5.40% | 0.16% |
| Q1 2025 | $2.66B | $2.26B | $2.07B | $357.7M | $12.0M | 1.79% | 5.33% | 0.09% |
| Q4 2024 | $2.68B | $2.31B | $2.01B | $344.2M | $30.6M | 1.58% | 5.32% | 0.02% |
| Q3 2024 | $1.80B | $1.53B | $1.37B | $256.2M | $26.0M | 1.98% | 5.00% | 0.13% |
Loan mix (Q2 2026): real estate $1.97B · commercial $230.0M · consumer $71K · securities $388.1M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.02% | 1.26% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 12.2% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.70% | 96th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.4% | 59.0% | 7th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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