BlastPoint's Banking Scorecard

West Coast Community Bank

$1B-$10B Specialty: Commercial CA FDIC cert 57591

Designations: ✓ Community bank

Santa Cruz, CA

11 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits +11.6% year over year ($2.5B on the books).
Delinquency rate 0.51%.
Return on assets 2.02%.
Efficiency ratio 39.38% vs a 59.73% peer average.
Loan-to-deposit ratio 88.61% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

West Coast Community Bank shows strong momentum with 4 strengths and 11.1% YoY asset growth

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

+ Deposit Franchise: Top 7.5% in tier
+ Efficiency Ratio 20.35% below tier average
+ ROA 0.63% above tier average
+ Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when West Coast Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$2.9B +11.1% YoY +1.7% QoQ	+$151.0M	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	69%
Total Loans ?	$2.2B +7.7% YoY +2.4% QoQ	+$273.1M	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	72%
Total Deposits ?	$2.5B +11.6% YoY +1.9% QoQ	+$204.8M	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	71%
Return on Assets ?	2.02% +6.6% YoY -6.3% QoQ	+0.63%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Top 11.0% in tier
Net Interest Margin ?	5.20% -3.6% YoY +0.0% QoQ	+1.33%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	Top 4.2% in tier
Efficiency Ratio ?	39.38% -5.2% YoY +1.0% QoQ	-20.35%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Top 6.8% in tier
Delinquency Rate ?	0.51% +145.6% YoY +2.2% QoQ	-0.35%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	51%
Loan-to-Deposit Ratio ?	88.61% -3.5% YoY +0.4% QoQ	+3.58%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	39.77% -6.8% YoY -0.3% QoQ	+18.49%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 4.5% in tier
Nonperforming Asset Ratio ?	0.62% +281.2% YoY +1.1% QoQ	-0.05%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	36%
Tier 1 Capital Ratio ?	13.15% -0.3% YoY -1.4% QoQ	-1.69%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.10% +33.1% YoY +51.7% QoQ	-0.43%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 10.2% in tier

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	39.8% -2.9pp YoY -0.1pp QoQ	+18.4pp	21.4%	25.5%	22.2%	95%
Brokered Deposits	n/a	n/a	9.5%	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	10.3% -0.5pp YoY -0.5pp QoQ	-3.7pp	14.0%	11.8%	12.5%	45%
CRE	79.1% -0.4pp YoY +0.1pp QoQ	+29.0pp	50.0%	67.5%	41.4%	95%
1-4 Family	5.2% -0.9pp YoY 0.0pp QoQ	-21.3pp	26.4%	16.5%	31.3%	7%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	5.3%	5.0%	2%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	13.2% 0.0pp YoY -0.2pp QoQ	-2.4pp	15.6%	23.7%	19.7%	44%
Leverage Ratio	12.0% +0.1pp YoY +0.1pp QoQ	+0.7pp	11.3%	14.5%	12.6%	77%
Total Capital Ratio	14.4% 0.0pp YoY -0.2pp QoQ	-2.3pp	16.7%	25.1%	20.8%	45%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	209 -6 (-2.8%) YoY -4 (-1.9%) QoQ	-105	313	337	482	44%
Assets per Employee ($)	$14.1M +14.3% YoY +3.6% QoQ	+$3.6M	$10.5M	$11.3M	$8.8M	87%
Branch Count	10 0 YoY 0 QoQ	-10	20	15	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.5% +0.4pp YoY 0.0pp QoQ	-0.3pp	0.8%	1.4%	1.0%	50%
Allowance Coverage	3.07x -60.4% YoY -3.2% QoQ	-15.64x	18.71x	17.11x	20.23x	64%
Net Charge-off Rate (YTD)	0.4% +0.4pp YoY -0.2pp QoQ	+0.1pp	0.3%	0.3%	0.2%	89%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	15.0% +0.9pp YoY -1.0pp QoQ	+2.4pp	12.6%	8.2%	11.6%	74%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	1.9%	1.9%	1.7%	8%
Net Income ($, YTD)	$29.4M +16.4% YoY — QoQ	+$10.2M	$19.2M	$28.5M	$40.4M	82%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Deposit Franchise

growth

#7 of 80 • Top 7.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 39.77%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.20%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 5.20%

Peer Median: 3.87%

#38 of 885 Top 4.2% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 39.77%

Peer Median: 21.27%

#41 of 885 Top 4.5% in $1B-$10B

Efficiency Ratio

profitability

Value: 39.38%

Peer Median: 59.73%

#61 of 885 Top 6.8% in $1B-$10B

Return on Assets

profitability

Value: 2.02%

Peer Median: 1.39%

#98 of 885 Top 11.0% in $1B-$10B

Top Weaknesses (1 metrics)

796

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.53%

#796 of 885 Bottom 10.2% in $1B-$10B