BlastPoint's Banking Scorecard
West Coast Community Bank
Designations: ✓ Community bank
Santa Cruz, CA
10 branches across CA
West Coast Community Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 8.1% in tier
- + Profitability Leader: Top 25.3% in tier
- + Efficiency Ratio 22.07% below tier average
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 45.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+8.9% YoY
+0.4% QoQ
|
+$79.3M |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$2.2B
+5.4% YoY
+2.4% QoQ
|
+$219.8M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$2.5B
+9.7% YoY
-0.1% QoQ
|
+$132.8M |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
2.16%
+20.3% YoY
+13.3% QoQ
|
+0.79% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Top 6.9% in tier |
| Net Interest Margin ? |
5.20%
-2.4% YoY
-3.9% QoQ
|
+1.38% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 4.1% in tier |
| Efficiency Ratio ? |
38.99%
-7.3% YoY
-3.8% QoQ
|
-22.07% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Top 6.7% in tier |
| Delinquency Rate ? |
0.50%
+359.2% YoY
-24.2% QoQ
|
-0.39% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
88.23%
-3.9% YoY
+2.5% QoQ
|
+4.02% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
39.87%
-6.1% YoY
-2.5% QoQ
|
+18.58% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 4.6% in tier |
| Nonperforming Asset Ratio ? |
0.62%
+623.9% YoY
+23.5% QoQ
|
-0.06% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
13.34%
+2.7% YoY
+2.2% QoQ
|
-1.82% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.07%
+94.2% YoY
-52.0% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
17% |
Get Full Access to West Coast Community Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.