Seacoast Commerce Bank

Overview / Commentary
11939 Rancho Bernardo Road, Suite 200
San Diego, CA 92128

Seacoast Commerce Bank is headquartered in San Diego and is the 59th largest bank in the state of California. It is also the 757th largest bank in the nation. It was established in 2003 and as of December of 2018, it had grown to 153 employees at 8 locations. Seacoast Commerce Bank has an A+ health rating.

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Reviews (1)

Seacoast Commerce Bank, Small but Personalized Attention

I've been banking with Seacoast for almost ten years now. I had been banking with a big, national bank previously and was pretty dissatisfied with the experience. I felt like I was one of millions of customers that the bank really didn't care about. At Seacoast I actually feel that they want my business. They're genuinely concerned with my satisfaction. When my son opened his first checking account they were so friendly. One of the senior banking executives actually took him in his office where they discussed what his financial goals were. I was really impressed. When I go inside to do banking, the tellers are all very friendly. I don't feel like I'm just one of many that they begrudgingly have to deal with like I felt when I was at the big bank. I had an issue with transferring funds from one account to another where I put the funds into the wrong account. I went into the bank and they handled it right away. I've never had that experience where they actually wanted me to come away from the experience happy. At the larger bank, I always got the feeling that they didn't care much either way. I have a checking account, a savings account and an investor's money market account with Seacoast so I believe I've experienced a lot that the bank has to offer. I couldn't be more happy going from a giant corporate bank to a smaller, local one. It's really the best fit for me and my family.


Health Grade Components

FDIC Certificate #57428
Year Established2003
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.36%
Return on Equity - YTD10.95%
Annual Interest Income$57.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.04B$938.8MM
LoansQ4 2018vs Q4 2017$873.3MM$771.4MM
DepositsQ4 2018vs Q4 2017$809.5MM$722.8MM
Equity CapitalQ4 2018vs Q4 2017$119.7MM$121.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$4.9MM$4.5MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.5MM$1.2MM
Real Estate OwnedQ4 2018vs Q4 2017$616.00K$613.00K
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Always verify rates and promotions with the bank or credit union. We are not Seacoast Commerce Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Seacoast Commerce Bank Savings Account Rates

0.05%$100-Personal Savings

Seacoast Commerce Bank Money Market Rates

0.40%*$100k*-Personal Investor Money Market
OTHER TIERS: 0.05% $1k - $25k | 0.10% $25k - $50k | 0.15% $50k - $100k
0.40%*$100k*-Business Investor Money Market
OTHER TIERS: 0.05% $1k - $25k | 0.10% $25k - $50k | 0.15% $50k - $100k
0.05%$2.5k-Personal Basic Money Market
0.05%$2.5k-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
Chula Vista Branch22 West 35th Street Suite 102National City, CA 91950
San Juan Capistrano Branch31351 Rancho Viejo Road, Suite 101San Juan Capistrano, CA 92675
San Diego Regional Banking Center Br277 N El Camino Real, Ste AEncinitas, CA 92024

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