# WEST COAST COMMUNITY BANK
SANTA CRUZ, CA · FDIC certificate 57591 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.94B | |
| Deposits | $2.52B | |
| Loans and leases | $2.27B | |
| Total equity | $396.6M | |
| Loans / deposits | 88.61% (p54 of band) | 87.10% |
| Liquid assets / assets | 18.17% (p37 of band) | |
| Uninsured deposits / deposits | 56.26% (p94 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.05% (p77 of band) | 10.50% |
| Unrealized securities loss / equity | -2.35% (p78 of band) | -7.75% |
| AOCI / equity | -0.46% (p38 of band) | |
| ROA (annualized) | 2.02% (p89 of band) | 1.26% |
| Net interest margin | 5.20% (p96 of band) | 3.70% |
| Efficiency ratio | 39.38% (p8 of band) | |
| Noncurrent loans | 0.50% (p50 of band) | 0.51% |
| Net charge-offs (annualized) | 0.30% (p90 of band) | |
| Reserve coverage of noncurrent | 306.93% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 65.31% (p68 of band) | |
| Auto loans | $24,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 209 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | construction >100% equity |  |
| 2017-12 | 1 | capital falling | construction >100% equity |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | loans exceed deposits, capital falling |  |
| 2020-12 | 2 | liquid assets <10% | capital falling |
| 2021-03 | 3 | uninsured deposits >50%, run vulnerability | loans exceed deposits |
| 2021-06 | 3 | capital falling | liquid assets <10% |
| 2021-09 | 2 |  | run vulnerability |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | uninsured deposits leaving |  |
| 2023-03 | 1 |  | uninsured deposits >50% |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | run vulnerability |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 3 | run vulnerability, charge-offs p90 | capital falling |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-20 [West Coast Community Bank Launches Private Banking Division Serving Silicon Valley and the Peninsula - GlobeNewswire](https://news.google.com/rss/articles/CBMiggJBVV95cUxPNjd6SGtMMWc0MUhMYzAzZTduc1M1TFhpQjFPVjZ5SEUxY3U1U3Y0ZndwVVRVWUptMFJIVzRqWWl3bEszMUNPWTJIVHA0RGlpTEJZNVZYWGVtcExlTDhVQ0h4TXZ5R1F0eEkzODllWWJNb0RadUlvb0ZHbHpXdjEzNGR0S0wxQkc1M2djeUlKYm01VFhwQkdxWThZaEJtQnNZSHhBRk9ZUlBpT0Jzd3ZWVzZFa3haR3N3aERjYWE4ZnVhSHpsNXduT0V1RjFlUXVkTmVVSExjMGNKc3VVcVR1SEtEcjhpZDNGdjZtRzNZeDdKNlg2U3JaZXNmTmkza1M4NHc?oc=5) · GlobeNewswire
- 2026-04-23 [West Coast Community Bancorp Announces Annual Shareholder Voting Results - PR Newswire](https://news.google.com/rss/articles/CBMixwFBVV95cUxOV0t1VXkxSDFQcUdXeXBGZVo4ZDBXT0otcDI1eUxGVjRZekZ6NkJjUVQydFI0d2M4MGhDSEZxNnFzSVZqZjNIdDh3dDNfckxHSlQzc0RQOE5mTzRXRG81MnBoUXhIM1JMQUdCZE1xMGZsODhhTFFYSW9MZ3VUUmtQQTlDWGw5bGJDaV81ZU41dTZyektNS0xNWkhsdDZDQnlwZ09RNVZMSlVhOFpRdEJxeDZ2ZnVCN1R2TklEem5HQmZMdDRfM0dn?oc=5) · PR Newswire
- 2026-06-22 [Man wearing white wig accused of robbing Capitola bank - KSBW](https://news.google.com/rss/articles/CBMifkFVX3lxTFB1UWx1WmZwSFh5dVlzdGwtcGlpandTdExITG83STRTcWdfV2swNUFmNzlqSU8tbE04blZWYWZwWlplcUJxdGc0T1NmaUdDc2FheW13Vl9uUlRVQXR1ZFQ4dFVrU3ZvS0wyN09KV2dELXBOMzR4b3ZSQVdZSUpoUQ?oc=5) · KSBW
- 2026-07-07 [West Coast Community Bank Opens Full-Service Branch in Downtown San Jose - GlobeNewswire](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNSGo3c2EzYmFWWGRYQVlDQlhMRFpWT0tyTXpmQTFXSWJxSGhQV0EtcFQ3eE53bmllMllxQkdydXRoVWtCTXhKZGpRN044YnVXVzZuWnJrWWw5OHlJblF1SFQzeEd1ZGNkelQ5aWU3cFhESFJwSEh6LWNydTczS3dxM0JPWkpjVWtpaVBaMVV0b2ZBX2E0MDBNZHU3SUN0ZVVNcXhfMnpOMXNydm1udVVJVVhhaHF2bHdZS0hBLUI3VFdUeHNNVzZvWFZRVTdvVzFfRVlxeTJ5T1FuM0Zf?oc=5) · GlobeNewswire
- 2026-01-29 [Community bank grows to $710M in assets amid wave of California consolidation - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNcEhSRjM5V3h5dmI5SXVOc0F6UDZSUmxFdFpvOTJGN3N3bnhybHlsX2lJOWdycWF5MGtWcFpiSTNKOFE2NFVRVlgxTmEwRUhpVTNfNTRseTFWcGtkMW5kSHdoVTc2X0hLVkZGU0JEN3EySGNVdTJ2SDBSb19QVjZ0UHpRSFQtWHhmYk5lbHdBX25kVm13bDlxRnFDTjRRY2FEQmZ3?oc=5) · The Business Journals
- 2025-10-07 [Local strength with national recognition: West Coast Community Bank powers Santa Cruz’s growth - lookout.co](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOSUwtZURuYnlGY3FwR2NvMi13YkFZenExdUI2WjJYcEhpUzYwazNNNy0tNGZGWWxLYWNOVkluSUI4cVNkTkEySWlRSmR0S0x4NldGand0TFNGYnhFTnhqdUJKWWJhNmpaamdfTHh0MTU4cUVRLWtscUkxb1A0QlJ2U0hBdnEwUFBjNVlzUGtHRWo5SmNSTTh5TVJhSzFYaWNkZ2VHV3FUb2cyVVNYLVVZdExnSlN3eDZk?oc=5) · lookout.co
- 2026-07-09 [Santa Cruz County police arrest 65-year-old bank robbery suspect - The Mercury News](https://news.google.com/rss/articles/CBMirAFBVV95cUxQTFZhTzFzaXZ0VFRNSE1WZUJBQUVmWjdNU2JtWDRfa3NmRlllTWM1eUh6TXBFLXJwU3o5ejNOdkZ1UVRYbDVyRlNzbWJ2M2FZZ3AtOFBET0NGSi1ZdWljQVFST0ZxUXViVmc2RmdPUlBNY2lUbkhtWnZYWUNUbkFmMmtNX2lnTFBxWHYweWN1VExCN0J6WTZKa2pkN0tLUVpKT3ctdzZpRmg0b2I10gGgAUFVX3lxTFB4bkNkMjhxZlBzYjlfVmJRdy1acWUxOVhEMVFIRi0wRkZtUmtpblR3enZadnJOeC1OWWFWNVczYkl1cmt5NTkxeWd5bUNXemdhM2ZSWTkxdHhiT3RlaV9MVnRyT0lwMWduZTlCRkpIdUhSdWJLZFVqUWFEaHhrZ213dDl5UTZ3cDdrX3lWNVVQYkluUHZmWHlvT0hvWHpTa2c?oc=5) · The Mercury News
- 2026-01-09 [Membership and Leadership Announcements for the Federal Reserve Bank of San Francisco’s Head Office Board of Directors - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi8gFBVV95cUxON2U2NTMycW5id0ZyaUd5ZWZlZElqa3FJX1VOVndpcXBnYzE3WFp3NUJVU1JXTWV3WkprSkU1WGxGMnNic0tybkJNSl83dEVOT01DODlFY3NNQjRTSkZXWmQzek9YSlgzOTJrcTRVSUdoMkFUMUhmQzgwLTFWZndkTlV3eGwzXzBDcU9Ddzh4Mm9xWEJJby1hc2RmQS1iSkdBSHpKbEhUWUhwdkVQYldBdG1SVDd5YkFTTmIwMUZrUjdIcjlZamVsdmVCNDJXY09lcjJETmJzNUYyTnZmYjNGUDFyODY0WlAxR2Y5dmxNZ1BxUQ?oc=5) · Federal Reserve Bank of San Francisco

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57591 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "57591", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide