Community Bank of Santa Maria

BankSanta Maria, California
www.yourcbsm.com

Total Assets

$428.7M

Total Deposits

$384.5M

Branches

2

Established

2001

TFS Health Grade

$
C+

78.2 / 100

Average financial health

How we grade

Community Bank of Santa Maria is a bank headquartered in Santa Maria, California, established in 2001. With $428.7M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C+ (78.2/100).

Capital & Safety

Tier 1 Capital Ratio
10.68%(8%)
Total Capital Ratio
15.56%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.04%(1%)
Return on Equity (ROE)
11.07%(10%)
Net Interest Margin
4.16%
Efficiency Ratio
65.77%(60%)

Lending & Liquidity

Total Loans
$288.1M
Loan-to-Deposit Ratio
74.18%
Net Charge-Off Ratio
-0.00%

Growth

Asset Growth (YoY)
+5.73%
Deposit Growth (YoY)
+4.94%
Net Income
$4.3M

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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