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720 Front St
Santa Cruz, CA 95060

Santa Cruz County Bank is headquartered in Santa Cruz and is the 101st largest bank in the state of California. It is also the 1,650th largest bank in the nation. It was established in 2004 and as of March of 2014, it had grown to 78 employees at 5 locations. Santa Cruz County Bank 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 Santa Cruz County Bank had $449,000 in non-current loans and owned real-estate with $40.76 million in equity and loan loss allowances on hand to cover it. This gives Santa Cruz County Bank a Texas Ratio of 1.10% 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 Santa Cruz County Bank decreased dramatically from 9.66% as of March 31, 2013 to 1.10% as of March 31, 2014, resulting in a positive change of 88.59%.This indicates that the balance sheet and financial strength for Santa Cruz County Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Santa Cruz County Bank has increased its total deposits by $34.64 million, resulting in 10.44% 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 Santa Cruz County Bank 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. Santa Cruz County Bank has $407.26 million in assets with $40.76 million in equity, resulting in a capitalization level of 10.01%, which is above average.

Institution Statistics

FDIC Certificate #57591
Year Established2004
Primary RegulatorFDIC
Assets and Liabilities
Assets$407.26 million
Loans$272.92 million
Deposits$366.29 million
Equity Capital$34.93 million
Loan Loss Allowance$5.83 million
Unbacked Noncurrent Loans$90,000
Real Estate Owned$359,000
Historic Data - March 2013
Assets$366.91 million
Equity Capital$30.58 million
Loan Loss Allowance$5.29 million
Real Estate Owned$3.33 million
Profit Margin - Quarterly
Net Interest Margin4.35%
Return on Assets0.86%
Return on Equity10.27%
Interest Income$4.21 million

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Santa Cruz County Bank Locations
Scotts Valley Branch4604 Scotts Valley DriveScotts Valley, CA 95066
Watsonville Branch595 Auto Center DriveWatsonville, CA 95076
Santa Cruz County Bank720 Front StSanta Cruz, CA 95060
Aptos Branch7775 Soquel DriveAptos, CA 95003
Capitola Branch819 Bay AvenueCapitola, CA 95010