Mission & Values

Beach scene

About Santa Cruz County Bank

Santa Cruz County Bank, founded in 2004, is a top rated, locally owned and operated full-service community bank with headquarters in Santa Cruz County.

The Bank operates eight branches: Aptos, Capitola, Cupertino, Santa Cruz (2), Monterey, Scotts Valley, and Watsonville. To provide further convenience, the Bank operates two self-serve ATM and Night Depositories in Santa Cruz and Aptos. Click here for all locations.

Santa Cruz County Bank is distinguished from "big banks" by its relationship-based service, problem-solving focus, and direct access to decision makers, combined with modern banking technology and digital access. The Bank is a leading SBA lender in Santa Cruz County and Silicon Valley. As a full-service bank, Santa Cruz County Bank offers competitive deposit and lending solutions for businesses and individuals; including business loans, lines of credit, commercial real estate financing, 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.

True to its community roots, Santa Cruz County Bank has supported regional well-being by actively participating in and donating to local not-for-profit organizations. Since our opening 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 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 proceeds benefiting the artist.

Santa Cruz County Bank stock is publicly traded on the OTC marketplace under the symbol SCZC. Stock purchase orders may be placed online, through a brokerage firm, or through Market Makers listed in the Investor Relations section of the Bank's website.

Black Lives Matter

At Santa Cruz County Bank, we are committed to creating and shaping a future that honors acceptance, equity and justice. We are deeply saddened by the loss of lives, which has sparked deep reflection and justified civic unrest reverberating across our local, national, and global communities. These events highlight the deeply rooted racial injustice that we must work to eliminate. As a committed community partner, we see an opportunity to shape an all-inclusive future without prejudice.

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Our Mission

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

S&P Top Community Bank

Top 100 Community Banks & Credit Unions by S&P Global

For a fifth consecutive year, Santa Cruz County Bank is one of the Top 100 Best Performing Community Banks in the nation. We are honored to be included in the S&P Global Market ranking of Top 100 Performing Community Banks in the United States under $3 billion in assets based on our financial performance for the year ended December 31, 2020.

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.

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 10 Banks in California by Financial Management Consulting Group FMC

Santa Cruz County Bank is ranked in the top 10 banks in California by FMC – Financial Management Consulting Group.

Top 200 Best Performing Banks

Grapic: Top 200 Best Performing Community Banks by American Banker

For a seventh 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 13th out of over 500 institutions in the nation.

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 eleven years.

Top Lender in National Community Bank Rankings

Graphic: ICBA Top Lenders 2020

Santa Cruz County Bank made the Independent Community Bankers of America (ICBA) Top Lenders 2020 list, ranking 19th 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

Good Times Best of Santa Cruz

Graphic: Good Times Best of Santa Cruz 2020

For the ninth 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.

Santa Cruz Sentinel Readers' Choice Award

Graphic: Reader's Choice Santa Cruz Sentinel 2020

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

Santa Cruz Waves Swellies

Graphic: Santa Cruz Waves Swellies Award 2020

Santa Cruz County Bank received a "Swellie" for the third year, for being the number one bank in the county, as voted by Santa Cruz Waves readers.

Holiday Food Drive Award

Graphic: Second Harvest Food Bank of Santa Cruz County

Santa Cruz County Bank received the "Platinum Award" in 2020 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 for its ongoing support of the agricultural industry and for providing farmers with access to capital.

2018 Business of the Year

Graphic: 2018 Business of the Year

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

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Black Lives Matter

At Santa Cruz County Bank, we are committed to creating and shaping a future that honors acceptance, equity and justice. We are deeply saddened by the loss of lives, which has sparked deep reflection and justified civic unrest reverberating across our local, national, and global communities. These events highlight the deeply rooted racial injustice that we must work to eliminate. As a committed community partner, we see an opportunity to shape an all-inclusive future without prejudice.

Our ongoing commitment:

We welcome your input and collective support in shaping a better, more inclusive future.