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11939 Rancho Bernardo Road, Suite 200
San Diego, CA 92128

Seacoast Commerce Bank is headquartered in San Diego and is the 110st largest bank in the state of California. It is also the 1,858th largest bank in the nation. It was established in 2003 and as of June of 2014, it had grown to 90 employees at 7 locations. Seacoast Commerce Bank's money market rates are 14% higher than the national average, and it boasts a A+ health rating.

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10-Month CD and Money Market Specials at Seacoast Commerce Bank - Available Nationwide - 12/10/2013

Seacoast Commerce Bank is again offering a CD and money market promotion. They are part of a celebration of the bank’s new branch, but I was told these promotions are available nationwide. Both requir ...

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Data for Q2 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 June 30, 2014 Seacoast Commerce Bank had $512,000 in non-current loans and owned real-estate with $34.32 million in equity and loan loss allowances on hand to cover it. This gives Seacoast Commerce Bank a Texas Ratio of 1.49% 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 Seacoast Commerce Bank decreased dramatically from (infinite) as of June 30, 2013 to 1.49% as of June 30, 2014, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Seacoast Commerce Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Seacoast Commerce Bank has increased its total deposits by $105.18 million, resulting in 48.11% 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 Seacoast Commerce 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. Seacoast Commerce Bank has $356.41 million in assets with $34.32 million in equity, resulting in a capitalization level of 9.63%, which is above average.

Institution Statistics

FDIC Certificate #57428
Year Established2003
Primary RegulatorFED
Assets and Liabilities
Assets$356.41 million
Loans$293.32 million
Deposits$323.79 million
Equity Capital$29.12 million
Loan Loss Allowance$5.21 million
Unbacked Noncurrent Loans$512,000
Real Estate Owned$0
Historic Data - June 2013
Assets$247.32 million
Equity Capital$25.65 million
Loan Loss Allowance$4.38 million
Unbacked Noncurrent Loans$512,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.44%
Return on Equity17.91%
Interest Income$8.60 million

Always verify rates and promotions with the bank or credit union. We are not Seacoast Commerce Bank, we are a rate comparison website and can not provide official rates or promotions.

Seacoast Commerce Bank Savings Account Rates

0.05%$100-Personal Savings

Seacoast Commerce Bank Money Market Rates

0.50%$100k-Personal Investor Money Market
0.50%$100k-Business Investor Money Market
0.10%$2,500-Personal Basic Money Market
0.10%$2,500-Business Basic Money Market

Seacoast Commerce Bank Checking Account Rates

0.05%--Personal Interest Checking
0.05%--Business Interest Checking

Seacoast Commerce Bank CD Rates

1.21%$10k-Premium Certificate 5 Year
0.85%$10k-Premium Certificate 4 Year
0.65%$10k-Premium Certificate 3 Year
0.50%$10k-Premium Certificate 2 Year
0.30%$10k-Premium Certificate 1 Year
0.20%$10k-Premium Certificate 9 Month
0.15%$10k-Premium Certificate 6 Month
0.10%$10k-Premium Certificate 3 Month
0.05%$10k-Premium Certificate 1 Month

Seacoast Commerce Bank Locations
Seacoast Commerce Bank11939 Rancho Bernardo Road, Suite 200San Diego, CA 92128
Rancho Bernardo Branch11939 Rancho Bernardo Road, Suite 200San Diego, CA 92128
Chula Vista Branch678 3rd Avenue, Suite 101Chula Vista, CA 91910