Santa Cruz County Bank
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- Santa Cruz County Bank, now operating under the name West Coast Community Bank following its merger with 1st Capital Bank in late 2024, is a full-service community bank headquartered in Santa Cruz, California. It offers a comprehensive suite of retail and commercial banking products and services including business loans, lines of credit, commercial real estate financing, construction lending, asset-based lending, agricultural loans, SBA and USDA government-guaranteed loans, credit cards, merchant services, remote deposit capture, mobile and online banking, bill payment, and treasury management solutions. The bank serves individuals, small to medium-sized businesses, non-profit organizations, and agricultural clients primarily across Santa Cruz, Monterey, Santa Clara, and San Luis Obispo counties, with a footprint expanding through ten branches as part of the combined entity. Founded in 2004, the bank positions itself as a relationship-focused institution distinguished by direct access to decision-makers and a strong local community reinvestment approach. Recent major changes include the merger with Salinas-based 1st Capital Bank effective October 1, 2024, followed by a rebranding to West Coast Community Bank on April 1, 2025, reflecting its expanded regional presence along California’s Central Coast and Silicon Valley. This merger enhanced the bank’s lending capacity, increasing single-borrower loan limits from $60 million to an estimated $80-85 million. Additionally, the combined bank launched a new online banking system and expanded product offerings while consolidating operations with limited staff reductions and growing employee headcount from 150 to 220. The bank also formed strategic partnerships, including a recent launch of a comprehensive credit card program with CorServ. Financially, the merged entity demonstrated strong performance with notable improvements in net interest margins and cost of funds, underscoring resilience and growth momentum in a competitive market. West Coast Community Bank is recognized as a leading SBA lender in the region and maintains a commitment to community-based banking with a problem-solving approach and personalized service.
Analyzing Bank of South Carolina (NASDAQ:BKSC) and West Coast Community Bancorp (OTCMKTS:SCZC)
West Coast Community Bancorp (OTCMKTS:SCZC) Share Price Crosses Below 50 Day Moving Average – Here’s What Happened
Financial Survey: Bank of South Carolina (NASDAQ:BKSC) and West Coast Community Bancorp (OTCMKTS:SCZC)
West Coast Community Bancorp (OTCMKTS:SCZC) Shares Cross Above Fifty Day Moving Average – Time to Sell?
West Coast Community Bancorp (OTCMKTS:SCZC) Shares Pass Above 50 Day Moving Average – Here’s What Happened
West Coast Community Bancorp (OTCMKTS:SCZC) versus First Foundation (NASDAQ:FFWM) Head-To-Head Analysis
West Coast Community Bancorp Announces Ticker Symbol Change to WCCB
West Coast Community Bancorp Announces Share Repurchase Program
West Coast Community Bancorp Reports Strong Earnings for the First Quarter of 2025; Board Declares Increase in Quarterly Cash Dividend
Santa Cruz County Bank Named One of America's Best Regional Banks 2025 by Newsweek
West Coast Community Bancorp, Parent of Santa Cruz County Bank, Reports Earnings for the Quarter Ended December 31, 2024; Board Declares Increase in Quarterly Cash Dividend
Santa Cruz County Bank Hires Emily Ruvalcaba as Senior Vice President, Regional President
Santa Cruz County Bank Hires Alison Voorhees as Senior Vice President, Director of Marketing
Santa Cruz County Bank Announces Retirement of Mary Anne Carson, EVP, Chief Marketing Officer
West Coast Community Bancorp, Parent Company of Santa Cruz County Bank, Reports Earnings for the Quarter Ended September 30, 2024
West Coast Community Bancorp and Santa Cruz County Bank Announce Board of Directors Changes
West Coast Community Bancorp and 1st Capital Bancorp Announce Completion of Merger
West Coast Community Bancorp and 1st Capital Bancorp Announce Receipt of Shareholder Approval for Merger
West Coast Community Bancorp, Parent Company of Santa Cruz County Bank, Reports Earnings for the Quarter Ended June 30, 2024
West Coast Community Bancorp and 1st Capital Bancorp Announce Agreement to Merge