West Coast Community Bank

BankSanta Cruz, California
www.wccb.com

Total Assets

$2.9B

Total Deposits

$2.5B

Branches

10

Established

2004

TFS Health Grade

$
B-

81.5 / 100

Good financial health

How we grade

West Coast Community Bank is a bank headquartered in Santa Cruz, California, established in 2004. With $2.9B in total assets and 10 branch locations, it has a TFS Financial Health Grade of B- (81.5/100).

Capital & Safety

Tier 1 Capital Ratio
11.32%(8%)
Total Capital Ratio
14.31%(10%)
Non-Performing Loan Ratio
0.65%

Profitability

Return on Assets (ROA)
1.91%(1%)
Return on Equity (ROE)
14.28%(10%)
Net Interest Margin
5.41%
Efficiency Ratio
40.54%(60%)

Lending & Liquidity

Total Loans
$2.2B
Loan-to-Deposit Ratio
86.09%
Net Charge-Off Ratio
-0.02%

Growth

Asset Growth (YoY)
+7.59%
Deposit Growth (YoY)
+7.25%
Net Income
$52.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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