Santa Cruz County Bank is a top-rated, full-service community bank serving Monterey, San Luis Obispo, Santa Clara and Santa Cruz 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 branches in Aptos, Capitola, Cupertino, King City, Monterey, Salinas, San Luis Obispo, Santa Cruz, Scotts Valley and Watsonville. In 2025, Santa Cruz County Bank will unveil a new bank name which will represent the breadth of the communities we serve throughout the Central Coast.
Santa Cruz County Bank is the wholly owned subsidiary of West Coast Community Bancorp, a bank holding company. 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. Santa Cruz County Bank 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 Agriculture 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.
West Coast Community Bancorp, holding company of Santa Cruz County Bank, was named in American Banker’s Top 100 Best Performing Community Banks in the United States, based upon 3-year average return on equity for banks under $2 billion in asset size, ranking 50th in the nation and 9th out of 18 California banks. This is the tenth year of top financial performance recognition by American Banker.
Independent Community Bankers of America (ICBA) ranked Santa Cruz County Bank 12th in its Top 25 Best Performing Community Banks in the nation with the highest return on average assets and average equity ratios for banks over $1 billion in asset size.
West Coast Community Bancorp, holding company of Santa Cruz County Bank (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.
Santa Cruz County Bank is rated a 5-Star “Superior” bank by BauerFinancial, Inc. based upon its financial performance. 5-Star is the highest rating determined by BauerFinancial, Inc., which has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983.
Santa Cruz County Bank received a perfect ranking, Superior IDC Rank of 300, based upon the Bank's financial ratios for every quarter in 2023 and Q1/Q2 2024.
Santa Cruz County Bank is ranked 10th out of 120 banks in California for overall financial performance for the period ended in Q2 2024. The Bank ranked 9th out of 121 banks for Q1 2024.
West Coast Community Bancorp, holding company of Santa Cruz County Bank, has been rated a “Super Premier Performing Bank,” the highest rating given by The Findley Reports. This is the fourteenth year the Bank has been recognized for exceptional performance by The Findley Reports.
Santa Cruz County Bank is the number one bank in the county for 2023 (ninth year), as voted by Santa Cruz Sentinel readers.
For the twelfth 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 2024.
Santa Cruz County Bank received the Business of the Year Award from the Santa Cruz County Chamber of Commerce, for years 2018 and 2021.
Santa Cruz County Bank was voted “Best Bank” in the Valley Press Banner's "The Best of Scotts Valley 2024 Awards."
Santa Cruz County Bank was voted “Best Local Bank 2024” in the Pajaronian's "Best of the Pajaro Valley Awards."
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.
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.
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.
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.
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.