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Overview / Commentary
1421 South Broadway
Santa Maria, CA 93454

Community Bank of Santa Maria is headquartered in Santa Maria and is the 145th largest bank in the state of California. It is also the 3,158th largest bank in the nation. It was established in 2001 and as of March of 2014, it had grown to 43 employees at 3 locations. Community Bank of Santa Maria has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community Bank of Santa Maria had $836,000 in non-current loans and owned real-estate with $21.24 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Santa Maria a Texas Ratio of 3.94% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Bank of Santa Maria experienced no significant changes from 3.58% as of March 31, 2013 to 3.94% as of March 31, 2014, resulting in a negative change of 9.89%. This indicates that the balance sheet and financial strength for Community Bank of Santa Maria has had no significant changes in recent periods.

Deposit Growth


In the past year, Community Bank of Santa Maria has increased its total deposits by $16.74 million, resulting in 10.82% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Bank of Santa Maria has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Bank of Santa Maria has $191.36 million in assets with $21.24 million in equity, resulting in a capitalization level of 11.10%, which is excellent.

Institution Statistics

FDIC Certificate #57073
Year Established2001
Primary RegulatorFDIC
Assets and Liabilities
Assets$191.36 million
Loans$106.91 million
Deposits$171.43 million
Equity Capital$19.21 million
Loan Loss Allowance$2.03 million
Unbacked Noncurrent Loans$30,000
Real Estate Owned$806,000
Historic Data - March 2013
Assets$173.97 million
Equity Capital$18.68 million
Loan Loss Allowance$2.07 million
Real Estate Owned$743,000
Profit Margin - Quarterly
Net Interest Margin4%
Return on Assets0.42%
Return on Equity4.21%
Interest Income$1.84 million

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Community Bank of Santa Maria Locations
Community Bank Of Santa Maria1421 South BroadwaySanta Maria, CA 93454
Oak Knolls Branch4869 S. Bradley Rd.Santa Maria, CA 93455
Lompoc Community Bank, A Division Of Community Ban705 W Central AvenueLompoc, CA 93436