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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

West Coast Community Bank

Santa Cruz, California · $2.94B in assets · beside the 11 other California banks between $1B and $3B

The filing

2.04%
ROA
1st of 12
42.1%
Efficiency
1st of 12
362.3%
CRE / capital
11th of 12

West Coast Community Bank is the largest of the 12 California banks nearest its size between $1B and $3B, with $2.94B in assets at 30 June 2026. Loans are 90.0% of deposits, 7th of 12 against a median of 89.7%, and equity is 13.5% of assets, 3rd of 12. Loans grew +7.7% in the year, 6th of 12, and deposits grew 11.6%; the cohort's median loan growth is +6.3%.

Noncurrent loans are 0.50% of the book, 6th of 12 against a median of 0.58%; 0.05% is 30 to 89 days past due, and the allowance covers them 3.1 times. Net charge-offs are 0.38% of loans, 10th of 12. Commercial real estate is 59.5% of loans, 10th of 12 against a median of 41.4%, and 362% of capital, above the 300% screen, with construction at 69% against the 100% screen. CRE has grown +74.5% over 36 months, past the guidance's 50% prong.

Return on assets is 2.04%, the highest in the cohort against a median of 1.15%, on an efficiency ratio of 42.1%, the lowest in the cohort. Five years ago it was 1.40%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 18.4% of loans).

Return on assetsCA banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.15% WC West Coast Community Bank 2.04% CB Calprivate Bank 2.02% PB Plumas Bank 1.79% MB Mission Bank 1.63% A Avidbank 1.37% OB Open Bank 1.20% CB Commonwealth Business Bank 1.11% OV Oak Valley Community Bank 1.11% ED El Dorado Savings Bank FSB 0.94% MB Montecito Bank & Trust 0.58% BS Beneficial State Bank 0.14% UB United Business Bank 0.12%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.3% PB Plumas Bank +48.5% A Avidbank +16.3% BS Beneficial State Bank +15.7% MB Mission Bank +12.9% OB Open Bank +9.0% WC West Coast Community Bank +7.7% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% UB United Business Bank +3.7% MB Montecito Bank & Trust +3.7% CB Calprivate Bank +2.0% ED El Dorado Savings Bank FSB -5.8%

SBA 7(a), FY2008 to FY2026

West Coast Community Bank is the 32nd largest 7(a) lender into California of 512, with $508M across 732 loans, 0.8% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 38 of its 58 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Santa Cruz, CA$111M1st of 7724.2%-1.6 pts
Monterey, CA$87M1st of 9313.7%-12.6 pts
Fresno, CA$34M8th of 1382.8%-1.4 pts
Santa Clara, CA$30M22nd of 1871.1%+0.5 pts
San Luis Obispo, CA$25M6th of 993.7%+0.3 pts
San Joaquin, CA$19M15th of 1301.9%-0.1 pts
Contra Costa, CA$18M20th of 1541.3%+1.0 pts
El Dorado, CA$16M7th of 1014.5%quiet FY2022
Los Angeles, CA$15M105th of 3080.1%+0.1 pts
San Mateo, CA$15M16th of 1291.4%-1.6 pts
Alameda, CA$15M39th of 1790.6%-0.7 pts
Sacramento, CA$12M41st of 1700.5%-1.3 pts
Merced, CA$10M8th of 683.5%+0.0 pts
45 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services232$243M43.5%0.32%77th of 2,596
Retail trade159$122M21.9%0.20%91st of 2,589
Manufacturing62$27M4.9%0.07%240th of 2,246
Construction38$22M4.0%0.07%215th of 2,063
Other services48$22M3.9%0.06%217th of 2,248
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and West Coast Community Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans WC West Coast Community Bank 0.8% $508M · 732 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
West Coast Community BankRankCohort median
Total CRE against capital, the 300% screen362%11th of 12261%
Construction against capital, the 100% screen69%12th of 1214%
Construction and land development, share of loans11.4%12th of 122.3%
Non-owner-occupied nonfarm nonresidential, share of loans37.4%9th of 1228.5%
Total CRE, the guidance definition, share of loans59.5%10th of 1241.4%
CRE growth over 36 months, the third prong+74.5%12th of 12+29.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
West Coast Community Bank$2.94B2.0%42.1%0.50%0.38%1.5%90.0%13.5%
Open Bank$2.75B1.2%55.8%2.09%0.01%1.2%96.2%9.6%
Calprivate Bank$2.71B2.0%44.4%1.26%0.08%1.4%89.4%11.1%
Avidbank$2.65B1.4%51.6%0.65%0.42%1.0%95.7%11.6%
United Business Bank$2.56B0.1%83.3%0.47%0.28%1.1%95.5%12.7%
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
West Coast Community BankCohort median
20212026Change20212026Change
Loans$1.28B$2.27B+78%$1.10B$1.54B+40%
Deposits$1.43B$2.52B+76%$1.43B$1.99B+39%
NPA / loans0.01%0.50%+0.49 pts0.22%0.58%+0.35 pts
Efficiency44.4%42.1%-2.3 pts55.2%56.2%+1.0 pts
ROA1.40%2.04%+0.64 pts1.11%1.15%+0.05 pts

This read was prepared for West Coast Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on West Coast Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $1B to $3B
Institution www.wccb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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