BlastPoint's Banking Scorecard
West Coast Community Bank
Community
Specialty: Commercial
CA
FDIC cert 57591
Santa Cruz, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
West Coast Community Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 5% in Community
- + Profitability Leader: Top 31% in Community
- + Efficiency Ratio 22.10% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.60% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+7.6% YoY
+1.6% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$2.1B
+6.0% YoY
+2.1% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$2.5B
+7.2% YoY
+1.7% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.91%
+20.7% YoY
+3.0% QoQ
|
+0.74% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
5.41%
+1.8% YoY
+0.0% QoQ
|
+1.75% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
40.54%
-15.4% YoY
-0.8% QoQ
|
-22.10% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.66%
-3.8% QoQ
|
+0.03% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
86.09%
-1.2% YoY
+0.4% QoQ
|
+3.03% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
40.91%
-7.1% YoY
-5.1% QoQ
|
+19.87% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.50%
-1.5% QoQ
|
0 |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
13.05%
+2.5% YoY
-2.2% QoQ
|
+2.81% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.14%
+27.7% YoY
+32.3% QoQ
|
-0.60% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#8 of 150 · Top 5% in Community
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:
40.91%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.41%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Profitability Leader
growth
#117 of 371 · Top 31% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.91%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
40.54%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.14%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Net Interest Margin
Current: 5.41% · Tier avg: 3.66%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 40.91% · Tier avg: 21.05%
95
95th pctile
Efficiency Ratio
Current: 40.54% · Tier avg: 62.63%
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
91
91th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
89
89th pctile
Return on Assets
Current: 1.91% · Tier avg: 1.16%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.05% · Tier avg: 10.24%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.09% · Tier avg: 83.06%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
38
38th pctile
Delinquency Rate
Current: 0.66% · Tier avg: 0.63%
5
5th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
38
38th pctile
Delinquency Rate
Current: 0.66% · Tier avg: 0.63%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.09% · Tier avg: 83.06%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.05% · Tier avg: 10.24%
89
89th pctile
Return on Assets
Current: 1.91% · Tier avg: 1.16%
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
91
91th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
95
95th pctile
Efficiency Ratio
Current: 40.54% · Tier avg: 62.63%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 40.91% · Tier avg: 21.05%
97
97th pctile
Net Interest Margin
Current: 5.41% · Tier avg: 3.66%