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Community Bank of Santa Maria

$100M-$1B Specialty: Commercial CA FDIC cert 57073

Santa Maria, CA

2 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits -4.5% year over year ($350.4M on the books).
  • Delinquency rate 0.15%.
  • Return on assets 1.07%.
  • Efficiency ratio 68.81% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

Community Bank of Santa Maria has 3 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 17.99% above tier average
  • + Net Interest Margin 0.41% above tier average
  • + Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 3.0% in tier
  • - Credit Risk Growth: Bottom 13.8% in tier
  • - Credit Quality Pressure: Bottom 22.6% in tier
  • - Deposit Outflow: Bottom 30.7% in tier
  • - ROA 0.25% below tier average
  • - Efficiency Ratio 4.33% above tier average
Get updates when Community Bank of Santa Maria releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $396.5M
-5.1% YoY -2.1% QoQ
+$10.0M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
61%
Total Loans ? $292.5M
+3.4% YoY -0.6% QoQ
+$34.1M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $350.4M
-4.5% YoY -1.9% QoQ
+$23.6M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 1.07%
+9.4% YoY +5.4% QoQ
-0.25% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 4.39%
+9.9% YoY +1.1% QoQ
+0.41% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 68.81%
+4.5% YoY +1.6% QoQ
+4.33% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.15%
+12.9% QoQ
-0.77% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 83.48%
+8.3% YoY +1.4% QoQ
+5.52% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 40.03%
+0.5% YoY +5.2% QoQ
+17.99% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 4.7% in tier
Nonperforming Asset Ratio ? 0.11%
+14.7% QoQ
-0.56% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
69%
Tier 1 Capital Ratio ? 10.49%
-26.0% YoY -21.1% QoQ
-5.42% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.15%
-31.1% YoY +106.4% QoQ
-0.42% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
34%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 40.0%
+0.2pp YoY
+2.0pp QoQ
 +17.9pp 22.1% 25.5% 22.2% 95%
Brokered Deposits n/a n/a 7.9% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 9.9%
+0.2pp YoY
-0.2pp QoQ
 -1.6pp 11.6% 11.8% 12.5% 52%
CRE 71.1%
+1.4pp YoY
+0.6pp QoQ
 +31.5pp 39.5% 67.5% 41.4% 94%
1-4 Family 6.6%
-0.8pp YoY
-0.4pp QoQ
 -26.0pp 32.6% 16.5% 31.3% 7%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 5.3% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.7% 19.7% n/a
Leverage Ratio 10.5%
-0.1pp YoY
+0.4pp QoQ
 -1.7pp 12.2% 14.5% 12.6% 41%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 60
+2 (+3.4%) YoY
+2 (+3.4%) QoQ
 +1 58 337 482 63%
Assets per Employee ($) $6.6M
-8.2% YoY
-5.4% QoQ
 -$910K $7.5M $11.3M $8.8M 44%
Branch Count 2
0 YoY
0 QoQ
 -3 4 15 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.2%
0.0pp QoQ
 -0.8pp 0.9% 1.4% 1.0% 25%
Allowance Coverage 6.64x
-97.7% YoY
-10.9% QoQ
 -17.51x 24.15x 17.11x 20.23x 76%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 22%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 11.1%
+0.5pp YoY
+0.5pp QoQ
 -1.1pp 12.2% 8.2% 11.6% 44%
Cost of Funds (YTD) 0.7%
-0.1pp YoY
0.0pp QoQ
 -1.0pp 1.7% 1.9% 1.7% 4%
Net Income ($, YTD) $2.2M
+9.9% YoY
— QoQ
 -$364K $2.6M $28.5M $40.4M 56%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Capital Thin

risk
#21 of 661 • Bottom 3.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.49%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Credit Risk Growth

risk
#130 of 936 • Bottom 13.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#285 of 1256 • Bottom 22.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.15%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#165 of 535 • Bottom 30.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

125
Non-Interest-Bearing Deposit Share
funding
Value: 40.03%
Peer Median: 22.03%
#125 of 2643 Top 4.7% in $100M-$1B

Top Weaknesses (1 metrics)

2208
Tier 1 Capital Ratio
capital
Value: 10.49%
Peer Median: 15.91%
#2208 of 2643 Bottom 16.5% in $100M-$1B
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