Community Bank of Santa Maria: how it compares with its peers
Against 33 CA banks with half to twice its assets, Community Bank of Santa Maria's strongest measure in Q2 2026 is net interest margin (4.39% vs. a 3.77% peer median). Its weakest relative measure is assets per employee ($6.6M vs. $8.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.07% | 0.82% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.39% | 3.77% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.81% | 67.79% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $8.3M | Bottom third Ahead of 12% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.48% | 94.81% | Context |
What it means for lending operations
Its efficiency ratio of 68.81% is above the 67.79% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Balboa Thrift and Loan Association Chula Vista, CA · $394M
- Liberty Bank, National Association Irvine, CA · $399M
- Universal Bank West Covina, CA · $388M
- American Continental Bank City Of Industry, CA · $385M
- Community Commerce Bank Claremont, CA · $423M
- Infinity Bank Santa Ana, CA · $360M
Questions about Community Bank of Santa Maria
How big is Community Bank of Santa Maria?
Community Bank of Santa Maria, established in 2001, is headquartered in Santa Maria, CA. It reported $397M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Community Bank of Santa Maria's return on assets?
1.07% annualized in Q2 2026, against a 0.82% median for 33 CA banks with half to twice its assets, ahead of 61% of them.
What is Community Bank of Santa Maria's efficiency ratio?
68.81% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 67.79%, and lower is better.
Is Community Bank of Santa Maria growing its loans?
Net loans grew 3.4% over the year to Q2 2026, while deposits shrank 4.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.