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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 84th largest bank in the state of California. It is also the 1,164th largest bank in the nation. It was established in 2004 and as of December of 2017, it had grown to 90 employees at 5 locations. Santa Cruz County Bank has an A health rating.

Reviews (1)

Santa Cruz County Bank- Hanging in there.

This bank is completely average. The building smells terrible, looks terrible, and feels like it's going to fall apart. They do not have enough competitive services as well. In fact they only have a few options for checking accounts, and only one for savings. There hours are terrible. There are way too many hidden fees, especially for a company bankrolling on community ties. It's a shame that all of the local institutions are just as greedy as the corporate ones.


Health Grade Components

FDIC Certificate #57591
Year Established2004
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD12.43%
Annual Interest Income$26.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$630.0MM$588.2MM
LoansQ4 2017vs Q4 2016$446.3MM$408.8MM
DepositsQ4 2017vs Q4 2016$562.7MM$529.3MM
Equity CapitalQ4 2017vs Q4 2016$57.3MM$50.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$9.1MM$8.2MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$0$0
Real Estate OwnedQ4 2017vs Q4 2016$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