Mission & Values

Bridge at coastline

About Santa Cruz County Bank

Santa Cruz County Bank is a top-rated, full-service community bank serving Santa Cruz, Monterey, and Santa Clara counties. We combine financial resources with expert solutions, so local businesses succeed and our communities thrive.

Delivery of relationship-based service with a problem-solving focus sets us apart from the competition. At Santa Cruz County Bank, you have direct access to decision-makers, combined with modern banking technologies and digital access.

Santa Cruz County Bank is a leading SBA lender in Santa Cruz County and the Silicon Valley. As a full-service bank, we offer competitive deposit and lending solutions for businesses and individuals, including: business loans, lines of credit, commercial real estate financing, asset-based lending, construction lending, agricultural loans, SBA and USDA government guaranteed loans, credit cards, merchant services, remote deposit capture, mobile and online banking, bill payment, and treasury management.

The Bank operates eight branches: Aptos, Capitola, Cupertino, Monterey, Salinas, Santa Cruz, Scotts Valley, and Watsonville. West Coast Community Bancorp stock is publicly traded on the OTCQX U.S. Premier Market under the symbol SCZC. For more information visit Investor Relations.

Since opening in February of 2004, we have made a commitment to support regional well-being by actively participating in and donating to local nonprofit organizations. Find out more about our community involvement. SCCB is ranked 6th in the nation in performance for banks under $3 billion in assets and is ranked 13th out of 127 California banks for overall performance. National, state and local ratings and awards (below) include: Business of the Year (twice), Best Bank in Santa Cruz County, the Al Smith Friend of Agriculuture Award, one of the 100 most active SBA 7(a) Lenders List, and more.

In addition, since our inception we have dedicated wall space in our branches for the display of artwork by local professional artists. Our current, semi-permanent art exhibition, "Native Son", includes over 50 contemporary landscape paintings of the California Central Coast by artist Ed Penniman. Ed's paintings are on display in all of our banking offices. Artwork is for sale, with 100% of the proceeds benefiting the artist.

See our locations page for updates, maps, and hours of operation, and meet our Board of Directors and our Leadership Team.

Our Mission

We are committed to our community by building lasting relationships and being a trusted partner that together empowers growth, economic vitality and community well-being.

Local People, Local Bank

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Truly Local Banking

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Bank Locally

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Good Things Happen

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National, State and Local Ratings & Awards

OTCQX Best 50

Graphic: West Coast Community Bancorp OTCQX Best 50, trading name SCZC

West Coast Community Bancorp, holding company for SCCB (OTCQX: SCZC) has been named to the 2024 OTCQX® Best 50, a ranking of top performing companies traded on the OTCQX Best Market, based upon total return and growth in average daily dollar volume in 2023.

IDC Financial Publishing

Graphic: Superior Rank from IDC Financial Publishing, Inc.

Santa Cruz County Bank received a perfect ranking, Superior IDC Rank of 300, based upon the Bank's financial ratios for Q1, Q2 and Q3 (2023).

S&P Top Community Bank

Top 100 Community Banks by S&P Global Market Intelligence

Santa Cruz County Bank has earned the #6 ranking on the S&P Global Market Intelligence annual rankings of 2022’s best performing community banks in the nation with assets under $3 billion. The Bank ranked second among the eight California banks on the Top 100 best performing community banks list. Rankings are based on financials for the year ended December 31, 2022. This is the sixth year Santa Cruz County Bank has ranked in the Top 100 Community Banks in the United States.

5-Star "Superior" Rated Bank

5-Star "Superior" Rated Bank by Bauer Financial Inc.

Santa Cruz County Bank is rated a 5-Star “Superior” bank by Bauer Financial, Inc. based upon its financial performance. 5-Star is the highest rating determined by Bauer Financial. Bauer Financial has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983.

Top 200 Best Performing Banks

Grapic: Top 200 Best Performing Community Banks by American Banker

For the ninth year in a row, Santa Cruz County Bank was named in American Bankers Top Performing 200 Community Banks and Thrifts in the United States, based upon 3-year average return on equity. The Bank ranks 89th out of 200 in the nation and 13th out of 21 California Banks.

Seifried & Brew Top Community Bank

Graphic: Top 15th Percentile of Community Banks by Seifried & Brew

Santa Cruz County Bank is an optimal performer (optimal bank rating) in Seifried & Brew’s Top 15th Percentile of banks in the nation. Santa Cruz County Bank is ranked 7th within the Top 10 banks in California.

Top Performance Rankings in California

Graphic: Top Bank in California by Bank Performance Report

Santa Cruz County Bank is a top-rated bank ranking 24th in overall performance for Q3 2023.

Super Premier Performing Bank Designation

Graphic: Super Premier Performing Bank as designated by Findley Reports Inc.

In recognition of its exceptional financial performance, Santa Cruz County Bank has been rated a “Super Premier Performing Bank”, the highest rating given, by Findley Reports, Inc., for the past twelve years.

Top Lender in National Community Bank Rankings

Graphic: ICBA Top Lenders 2021

Santa Cruz County Bank made the Independent Community Bankers of America (ICBA) Top Lenders 2021 list, ranking 7th in top commercial lenders in the nation, for community banks over $1 billion in assets.

Top Performer in National Community Bank Rankings

Graphic: Top Performer in National Community Banks by Independent Community Bankers of America

Independent Community Bankers of America ranked Santa Cruz County Bank in its Top 25 Best Performing Community Banks with the highest return on average assets and highest return on average equity ratios.

Community Awards & Recognition

Santa Cruz Sentinel Readers' Choice

Graphic: Reader's Choice Santa Cruz Sentinel 2021

Santa Cruz County Bank is the number one bank in the county for 2022 (eighth year), as voted by Santa Cruz Sentinel readers.

Good Times Best of Santa Cruz

Graphic: Good Times Best of Santa Cruz 2023

For the eleventh consecutive year, Santa Cruz County Bank received the highest number of votes for "Best Bank" in the annual Best of Santa Cruz County Good Times Readers' Poll 2023.

Business of the Year

Graphic: 2018 and 2021 Business of the Year

Santa Cruz County Bank received the Business of the Year Award from the Santa Cruz County Chamber of Commerce, for years 2018 and 2021.

The Best of Scotts Valley

Graphic: Best of Scotts Valley 2022

Santa Cruz County Bank was voted “Best Bank” in the Valley Press Banner's "The Best of Scotts Valley 2022 Awards."

Best of the Pajaro Valley

Graphic: Best of the Pajaro Valley 2023

Santa Cruz County Bank was voted “Best Bank 2023” in the Register Pajaronian's "Best of the Pajaro Valley Awards."

Holiday Food Drive Award

Graphic: Second Harvest Food Bank of Santa Cruz County

Santa Cruz County Bank received the "Big Step" and the "Platinum Award" in 2022 from Second Harvest Food Bank for its fundraising efforts during the Holiday Food & Fund Drive.

Al Smith Friend of Agriculture

Graphic: Al Smith Friend of Agriculture Award

The Farm Bureau of Santa Cruz County and Agri-Culture honored Santa Cruz County Bank with the Al Smith Friend of Agriculture Award (2018), for its ongoing support of the agricultural industry and for providing farmers with access to capital.

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