West Coast Community Bank is a bank based in Santa Cruz, California, established in 2004, with $2.9 billion in total assets across 10 branches. By Trust Grade it ranks 37th of 117 banks we track in California. Its capital ratio of 13.6% is stronger than 89% of similarly sized banks, versus a California median of 11.7%. It was profitable over the most recent period, with a 2.16% return on assets. No consumer complaints against West Coast Community Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How West Coast Community Bank compares to California peers
How we graded West Coast Community Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.6% capital ratio)
- Strongly profitable (ROA 2.16%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for West Coast Community Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (10)
- 75 River St, Santa Cruz, CA 95060
- 4604 Scotts Valley Dr, Scotts Valley, CA 95066
- 595 Auto Center Dr, Watsonville, CA 95076
- 300 Bonifacio Pl, Monterey, CA 93940
- 819 Bay Ave, Capitola, CA 95010
- 432 Broadway St, King City, CA 93930
- 7775 Soquel Dr, Aptos, CA 95003
- 19240 Stevens Creek Blvd, Cupertino, CA 95014
- 599 Higuera St, San Luis Obispo, CA 93401
- 480 S Main St, Salinas, CA 93901
Are deposits at West Coast Community Bank insured?
Yes. West Coast Community Bank is an FDIC-insured bank (FDIC certificate #57591). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
West Coast Community Bank: frequently asked questions
Is West Coast Community Bank a good bank?
West Coast Community Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.6% capital ratio); Strongly profitable (ROA 2.16%).
Is West Coast Community Bank FDIC-insured?
Yes. West Coast Community Bank is a FDIC-insured bank (FDIC certificate #57591). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is West Coast Community Bank?
West Coast Community Bank holds $2.9 billion in total assets, ranking 37th of 117 banks we track in California. It operates 10 branches.
Does West Coast Community Bank have CFPB complaints?
No CFPB complaints against West Coast Community Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
