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Overview / Commentary
720 Front St
Santa Cruz, CA 95060

Santa Cruz County Bank is headquartered in Santa Cruz and is the 85th largest bank in the state of California. It is also the 1,213th largest bank in the nation. It was established in 2004 and as of December of 2016, it had grown to 84 employees at 5 locations. Santa Cruz County Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #57591
Year Established2004
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD13.67%
Annual Interest Income$22.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$588.2MM$513.3MM
LoansQ4 2016vs Q4 2015$408.8MM$352.4MM
DepositsQ4 2016vs Q4 2015$529.3MM$461.2MM
Equity CapitalQ4 2016vs Q4 2015$50.7MM$44.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$8.2MM$7.4MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$0$0
Real Estate OwnedQ4 2016vs Q4 2015$0$0

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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