West Coast Community Bank: how it compares with its peers
Against 30 CA banks with half to twice its assets, West Coast Community Bank's strongest measure in Q2 2026 is net interest margin (5.20% vs. a 3.89% peer median). Its weakest relative measure is assets per employee ($14.1M vs. $11.0M).
| Measure | West Coast Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.02% | 1.24% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.20% | 3.89% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.38% | 54.19% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.1M | $11.0M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.61% | 85.39% | Context |
What it means for lending operations
Its efficiency ratio of 39.38% is better than the 54.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Open Bank Los Angeles, CA · $2.75B
- CalPrivate Bank La Jolla, CA · $2.71B
- Exchange Bank Santa Rosa, CA · $3.19B
- Avidbank San Jose, CA · $2.65B
- United Business Bank Walnut Creek, CA · $2.56B
- El Dorado Savings Bank, F.S.B. Placerville, CA · $2.44B
Questions about West Coast Community Bank
How big is West Coast Community Bank?
West Coast Community Bank, established in 2004, is headquartered in Santa Cruz, CA. It reported $2.94B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is West Coast Community Bank's return on assets?
2.02% annualized in Q2 2026, against a 1.24% median for 30 CA banks with half to twice its assets, ahead of 93% of them.
What is West Coast Community Bank's efficiency ratio?
39.38% in Q2 2026: it spent about 39 cents in noninterest expense for each dollar of revenue. The peer median is 54.19%, and lower is better.
Is West Coast Community Bank growing its loans?
Net loans grew 7.7% over the year to Q2 2026, while deposits grew 11.6%.
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.