Santa Cruz County Bank

Santa Cruz County Bank

Overview / Commentary
75 River Street
Santa Cruz, CA 95060

Santa Cruz County Bank is headquartered in Santa Cruz and is the 53rd largest bank in the state of California. It is also the 635th largest bank in the nation. It was established in 2004 and as of December of 2021, it had grown to 152 employees at 7 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 - YTD1.33%
Return on Equity - YTD11.96%
Annual Interest Income$63.4MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$1.70B$1.42B
LoansQ4 2021vs Q4 2020$1.18B$1.22B
DepositsQ4 2021vs Q4 2020$1.50B$1.19B
Equity CapitalQ4 2021vs Q4 2020$186.1MM$168.5MM
Loan Loss AllowanceQ4 2021vs Q4 2020$20.0MM$13.0MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$226.00K$31.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$0

Sorry, we do not have rate data for Santa Cruz County Bank.


Santa Cruz County Bank Locations
Scotts Valley Branch4604 Scotts Valley DriveScotts Valley, CA 95066
Watsonville Branch595 Auto Center DriveWatsonville, CA 95076
Santa Cruz County Bank75 River StreetSanta Cruz, CA 95060
Aptos Branch7775 Soquel DriveAptos, CA 95003
Capitola Branch819 Bay AvenueCapitola, CA 95010
Cupertino Branch19240 Stevens Creek BlvdCupertino, CA 95014
Monterey Branch584 Munras Ave.Monterey, CA 93940

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