Mission & Values

Beach scene

About Santa Cruz County Bank

If you live in Santa Cruz County, we are your community bank! Santa Cruz County Bank, founded in 2004, is a top rated, locally owned and operated full-service community bank. The Bank offers a variety of competitive deposit and lending solutions for businesses and individuals; including business loans, lines of credit, commercial real estate financing, agricultural loans, SBA and USDA government guaranteed loans, credit cards, merchant services, mobile banking, remote deposit capture, and online banking bill payment and cash management. The Bank's SBA Department is a top SBA lender in Santa Cruz County and the Silicon Valley.

Santa Cruz County Bank operates five banking offices located in Aptos, Capitola, Santa Cruz, Scotts Valley and Watsonville. To provide further convenience for our clients, the Bank operates two additional self-serve ATM and Night Depositories in Santa Cruz and Aptos. Click here for locations.

Since the time we opened our doors in February of 2004, we have made a commitment to be an environmentally aware and conscientious business. Every Santa Cruz County Bank location is Green Business Certified.

In addition, since our inception, we have dedicated our wall space for the display of local professional artists. Our current art exhibition, "Native Son", includes over 50 works of art on display throughout the Bank's five countywide banking offices, and features contemporary landscape paintings of the California Central Coast by artist Ed Penniman. Artwork is for sale, with 100% of proceeds benefiting the artist.

Santa Cruz County Bank Mission Statement

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

National, State and Local Ratings & Awards

5-Star "Superior" Rated Bank

5-Star

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.

Seifried & Brew Top Community Bank

Seifried & Brew Top Community Bank

Optimal Bank Ranking. The Bank is an optimal performer 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

S&P Top Community Bank

S&P Top Community Bank

For a third consecutive year, Santa Cruz County Bank is one of the Top 100 Best Performing Community Banks in the entire country. Santa Cruz County Bank ranked 35th in S&P Global’s Top 100 Best Performing Banks in the U.S out of approximately 3,000 banks under $3 billion in assets, based upon 2018 financial performance.

Top Performance Rankings in California

Top Performance Rankings in California

Santa Cruz County Bank is ranked in the top 10 banks in California by FMC – Financial Management Consulting Group. The Bank also ranks first in asset quality and non-performing assets.

Super Premier Performing Bank Designation

Super Premier Performing Bank Designation

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 nine years.

Top 200 Best Performing Banks

Top 200 Best Performing Banks

For a sixth 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 placed 12th out of over 600 institutions in the nation.

Top Performer in National Community Bank Rankings

Top Performer in National Community Bank Rankings

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

Holiday Food Drive Award

Holiday Food Drive Award

Santa Cruz County Bank received the "Big Step" award in 2017 and the "Platinum Award" from Second Harvest Food Bank for its fundraising efforts for the Holiday Food & Fund Drive.

Al Smith Friend of Agriculture

Al Smith Friend of Agriculture

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

Good Times Best of Santa Cruz

Good Times Best of Santa Cruz

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

2018 Business of the Year

2018 Business of the Year

Santa Cruz County Bank received the 2018 Business of the Year Award from the Santa Cruz Chamber of Commerce.

United Way Corporate Spirit

United Way Corporate Spirit

The United Way of Santa Cruz County honored Santa Cruz County Bank with the Community Builder Corporate Spirit Award, for outstanding support and leadership.

© 2019 Santa Cruz County Bank. All rights reserved.

Santa Cruz County Bank on Facebook
California Green Business Network

Privacy Policy | Member FDIC | Equal Housing Lender logo Equal Housing Lender

Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

Continue to Santa Cruz County Bank on Twitter

Cancel

Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

Continue to Santa Cruz County Bank on Facebook

Cancel

Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

Continue to California Green Business Network

Cancel