Coming from a family of strawberry growers, Jaime Manriquez had been expected to eventually take over the family business.
But when his father brought home the family's first home computer, Manriquez's outlook quickly changed. The then-elementary school student went from future strawberry farmer to budding computer programmer.
It's perhaps fitting that as a professional, Manriquez has gone back to his roots, after a fashion. In the early stages of the Covid-19 outbreak, Manriquez, by then the chief information and chief information security officer at Santa Cruz County Bank, helped set up the technology needed to process the pandemic-related loans that allowed many local farmers to keep working.
Thanks to his and his team's efforts, which involved using artificial intelligence, the bank ended up processing $574 million worth of Paycheck Protection Program (PPP) loans, ultimately saving about 50,000 jobs.
"We set up an environment where we had three or four robots processing loans for those who needed PPP payouts," Manriquez said. "We automated that process."
A fourth-generation Mexican-American who grew up in Watsonville, Manriquez was well prepared for the effort. He'd been working in technical roles for nearly 25 years. As a technical-support engineer at International Business Machines Corp. around the turn of the millennium, he worked on a series of Y2K-related projects. He'd been with Santa Cruz County Bank, helping head its technology and information security operations, since before it opened in 2004.
Shelly Medina has played a critical role in the establishment and operation of successful asset-based lending businesses in Silicon Valley. Her most recent foray took place just last year, as she joined Santa Cruz County Bank to launch a new ABL division that serves emerging growth companies that require asset liquidity and flexible lines of credit.
To get the new division up and running, Medina employed her historical knowledge across nearly three decades in ABL to complete the many steps required to build internal workflows, including creating client application forms, legal agreements and loan documents, while identifying and implementing specialized software. Medina also coordinated and delivered internal employee training and communications for the new division.
As she has shown in building Santa Cruz County Bank’s ABL unit, Medina possesses unmatched skills that allow her to start from scratch and create operational and leading documentation teams within business units. Her management and leadership lead to quantifiable successes. She also has the proven ability to lead a startup operation through significant scale, having previously supported the launch of Bridge Bank’s factoring and ABL division in 2002.
Santa Cruz County Bank on Thursday announced the opening of a full-service branch in Salinas. The address of the bank's newest branch is 480 S. Main St., Salinas.
In January of 2021, Santa Cruz County Bank opened its first branch in Monterey County at 584 Munras Ave., in Monterey.
"We are excited for the opportunity to serve the Salinas Valley following our successful expansion into Monterey County in 2021," said Santa Cruz County Bank President and CEO, Krista Snelling in a prepared release.
Vic Davis' 43+ year career in community banking began at County Bank and Trust in Santa Cruz, where he served as Branch Operations Supervisor and Budget Manager. For ten years he was Chief Financial Officer of San Benito Bank in Hollister California. In his career, he also served as a senior level Auditor and Consultant for Bank Vision, Inc. He is a graduate of Pacific Coast Banking School in Washington and is an accredited ACH Professional and has held certifications as a professional in human resources and as a community bank internal auditor.
In his 14-year career at Santa Cruz County Bank, Mr. Davis has managed the bank's assets and liabilities, securities portfolio and Finance Department, all of which have grown in size 10-fold during his leadership. In addition, Mr. Davis led the department during the recession, through systems conversions and the merger with Lighthouse Bank and multiple, complex stock-related transactions.
Krista Snelling, President and CEO commented, "Vic has been a valued member of the bank and our executive team for over 14 years. Under his leadership, the bank has grown significantly and our accounting has also grown in complexity, which necessitates ongoing education, regulatory monitoring and evolving financial acumen. Vic's vast experience and auditing background have been instrumental to his role. He will be greatly missed by our entire team."
Santa Cruz County Bank www.sccountybank.com (OTCQX:SCZC), with assets over $1.76 billion, is a top-rated community bank headquartered in Santa Cruz County. On September 20, 2022, the Bank’s Board of Directors declared an increased quarterly cash dividend of $0.125 per share. The dividend is payable on October 11, 2022 to shareholders of record as of the close of business on October 4, 2022.
Chairman William J. Hansen stated, “We are pleased to continue to reward our shareholders for their investment in our stock. In 2022, the Board of Directors of Santa Cruz County Bank have declared a 2-for-1 stock split, two increased quarterly cash dividends, and a $5 million share repurchase program.”
For the quarter that ended June 30, 2022, Santa Cruz County Bank reported $6.37 million in net income, a 20% increase over the same period in 2021. Return on average equity was 13.77% for the quarter ended June 30, 2022. The book value per share of Santa Cruz County Bank's common stock at June 30, 2022 was $21.73, an increase of $0.75 from the same period in 2021. Shareholders' equity grew to $186 million, an $6.94 million increase compared to the same period in 2021.
Co-hosted by Santa Cruz County Bank and organized by Santa Cruz Works, everyone is invited to join the 5th Annual Blue Innovation outdoor event on September 11th.
Hosted at the incomparable Seymour Marine Discovery Center at UC Santa Cruz, this event will welcome over 3,000 attendees from September 11 - 13 to connect researchers, organizations and community members who are passionate about protecting our oceans and water sources.
“Talk about perfect fit! Blue Innovation and SCCB are a marriage of community engagement. SCCB is a generous leader in our community, assisting startups, researchers, and entrepreneurs who are building a better future for our families and the world.” — Doug Erickson, Executive Director of Santa Cruz Works
In our current day and age, there is an undisputed, urgent need to tackle challenges created by climate change. Blue Innovation provides an educational opportunity to uncover ways to improve ocean and water sustainability. Over 50 exhibitors will come together to exhibit their solutions ranging from ocean-safe alternatives to plastics, sea wall restoration, and transportation. Come out to enjoy food trucks, live music and exhibitors interactive exhibits.
Having a bank that knows who you are, understands your situation, and the best way to work with you is invaluable. Money is a sensitive matter for everyone, and consumers today want more than a place to keep their money safe — they want help solving financial problems.
For many Americans, that’s becoming more difficult to find. Community banks foster that type of trust with account holders because their employees live in the communities where they work, and community banks reinvest in the communities they serve. But community banks are closing — or being acquired — at an alarming rate.
The number of community banks has dropped significantly over the last two decades. In 2000, there were 8,300 community banks in the US. By the end of 2020, that number had been reduced to 4,277.
In the early 2000s, a group of local business owners in Santa Cruz County, California, decided to take action to open a bank in their community at a time when the last of the local banks had vanished due to a merger. A group of investors came together and raised capital to create Santa Cruz County Bank, which opened in 2004.
Today, the bank operates seven branches across California’s Bay Area and Central Coast, with another coming soon. The people the bank serves are all neighbors, friends, and community members. And Santa Cruz County Bank wants to ensure it stays that way.
What would you like to accomplish in the next 10 years? Grow the bank and provide opportunity to clients and my team.
What’s the best piece of advice you have ever received? Use your authenticity as your secret weapon.
What is the biggest challenge facing women who want to take on leadership roles — and what do you think you can do to change that? Lack of female mentors. I plan to be one for as many women as I can!
What is a moment in your career you are most proud of? Being appointed one of only 9% female bank CEOs in the Western United States.
Who has been your most supportive mentor and why? James Beckwith, CEO of Five Star Bank, because he told me I should be a CEO before I knew I should be a CEO.
Something about you that would surprise others? I used to be very quiet when I was in school. Unbelievable now!
Santa Cruz County Bank launched an asset-based lending division, which will be led by Lee Shodiss and Shelly Medina. The bank’s new asset-based lending division will specialize in serving business clients and emerging growth companies requiring asset liquidity and flexible lines of credit in addition to full banking services. The addition of an asset-based lending division showcases the bank’s commitment to supporting small business. The division is based at the bank’s Cupertino, CA office to serve clients in Silicon Valley, the Greater Bay Area and throughout California.
The bank’s asset-based lending division is directed by Shodiss, an industry veteran with 30 years of experience in asset-based and innovation markets serving Silicon Valley and technology centers throughout the country. Medina leads the asset-based lending division as operations manager.
“We experienced firsthand the pandemic’s profound impact on working capital needs of many businesses,” Krista Snelling, president and CEO of Santa Cruz County Bank, said. “Our new asset-based lending division complements the bank’s significant growth and ability to provide capital to businesses through specialty financing solutions. We see great opportunity, particularly in serving the high concentration of businesses centered in technology and innovation in Silicon Valley. The hiring of Lee and Shelly, both well-known experts in ABL, expands our team at the bank’s Cupertino branch and positions us advantageously to serve the market, grow our portfolio and support our existing client relationships.”
Krista Snelling took the leadership role as President and CEO of Santa Cruz County Bank in March 2021. Learn more about Krista’s navigation of the community’s local bank through the pandemic, why she believes you should put your money where your life is, and what she’s looking forward to in 2022 as the Bank celebrates its 18th anniversary.
What did you learn about Santa Cruz County Bank in your first 12 months at the helm?
KS: I knew before my arrival that Santa Cruz County Bank had a reputation for community engagement, but what I came to quickly discover is that the SCCB team is both passionate and 100% committed to our community. Community is the thread that connects us – to our clients, fellow colleagues, community partners, and neighbors. That commitment is in the Bank’s mission statement and I saw firsthand that it rings true on a very personal level. A great illustrative example of our commitment was the effort by the entire SCCB team to secure PPP funding for local businesses before the government funds were exhausted. Our team worked around the clock and saved over 50,000 jobs through the PPP program for local businesses – that’s an astounding number for a bank of our size and it maximized our available resources to the fullest extent. The challenges we’ve all experienced the last two years truly brought to light what community banks bring to the table.
Santa Cruz County Bank said Thursday that it’s splitting its shares 2-for-1, marking the bank’s first stock split since it was founded in 2004.
The stock split will bring additional market liquidity in the trading of the bank’s shares, with more than 8.5 million shares outstanding once the additional shares are distributed on March 14 to shareholders of record March 3. Increased market liquidity can make it easier to buy and sell shares as more investors are drawn to a stock.
The move highlights the growth of the $1.7 billion Santa Cruz bank as well as the success of community banking in serving Main Street customers.
Santa Cruz County Bank (OTCQX: SCZC) enjoyed record performance in 2021, earning $21.3 million for the year, up 21% from 2020. Last year, the bank expanded into Monterey County, opening a location in Monterey. Santa Cruz County Bank plans to open a branch in Salinas in the third quarter of this year.
“We recorded an incredible year of growth as evidenced by double-digit percentage increases — comparing 2021 to 2020 — in assets, loans, deposits and net income,” President and CEO Krista Snelling said in announcing the bank’s latest earnings.
Paul Happach has joined Santa Cruz County Bank as senior vice president and product and digital transformation manager. He is based at bank headquarters, 75 River St., Santa Cruz, responsible for program and project management, product development and vendor management.
He relocated from Southern California.
He comes from Pacific Mercantile Bank in Costa Mesa, where he was senior vice president and program management director, expanding the adoption of e- and online banking services and managing the Paycheck Protection Program and project portfolio.
He spent nine years at Rabobank, specializing in online banking, e-channel products, and systems management.
He's been in banking for 24 years.
"His extensive background, expertise and knowledge in product, project and systems management bring exciting opportunities to the bank and for our clients," said Shamara van der Voort, executive vice president and chief operations officer.
Santa Cruz County Bank, on the cusp of 18 years in business, reported earnings for 2021 was a record $21.3 million, 21 percent more than in 2020.
Fourth quarter net income was $4.7 million, up from $4 million in that quarter a year ago.
Pretax, pre-provision net earnings for 2021 exceeded 2020 by $9.4 million.
Santa Cruz County Bank President and CEO Krista Snelling said, "We recorded an incredible year of growth as evidenced by double-digit percentage increases, comparing 2021 to 2020, in assets, loans, deposits and net income, all of which set new historical milestones for Santa Cruz County Bank."
Our amazing employees logged more than 500 hours in community volunteer hours in 2021.
Bank staff supported business owners, providing guidance on the PPP forgiveness process to help position them for success.
The bank opened in February 2003.
The bank has five branches in Santa Cruz County, including Aptos, Capitola and Scotts Valley, one in Cupertino and one in Monterey, plus online banking. The bank plans to open a Salinas branch by third quarter of this year.
The dream of a local veterans nonprofit organization to create a new permanent supportive housing supply, a “Veterans Village,” is one step closer to reality this week.
The Santa Cruz County Veterans Memorial Building’s offer to purchase two parcels on nearly 6 acres of land, currently Jaye’s Timberlane Resort at 8705 Highway 9, was accepted Wednesday, officials said. Initially, housing for as many as 16 pre-screened veterans and their families may be available on the turn-key property by early next year, after a Jan. 12 closing, project organizers said during a press conference Wednesday.
The resort includes 10 self-contained cabins and a four-bedroom, three-bath home and office in the redwood-forested property. Organizers said they hope to integrate several veterans already residing on the property into the future program. The Veterans Village will feature subsidized rental housing combined with on-site support services, amenities, outdoor recreation and a supportive community of peers, officials said.
“Our veterans cannot afford to live in Santa Cruz and many struggle to get by on their current benefits,” Vets Hall Executive Director Chris Cottingham said. “As we see more veterans come home from Afghanistan in need of support and community, the time is now to develop a solution for permanent supportive housing for our Santa Cruz County veterans.”
Santa Cruz County Bank (OTCQX: SCZC), today announced Shamara van der Voort has joined the Bank as Executive Vice President, Chief Operations Officer.
Ms. van der Voort has a 25-year banking background with extensive experience in Branch and Banking Operations, Customer Service Management, Sales and Treasury/Cash Management Services. Her expertise in Operations includes revamping structures to drive efficiency, and creating metrics and reporting to measure efficiencies and functions. Her attention to exemplary customer experience practices includes acquisition and implementation of state-of-the-art products and services encompassing Commercial Card, Trade Services, Wire & ACH Operation and Internet/Electronic Banking & Implementations, while evaluating customer and prospect needs.
Early in her career, Ms. van der Voort established herself as an expert in Treasury/Cash Management Services and Risk Management, taking on roles of increasing responsibility and gaining experience in product rollout, conversions and strategic planning at large regional and major national banks.
Santa Cruz County Bank (OTCQX: SCZC), with assets of $1.70 billion, is a top-rated community bank headquartered in Santa Cruz County. Today the bank announced its Board of Directors declared a 10% stock dividend payable on November 8, 2021 to shareholders of record as of the close of business on October 26, 2021. Cash will be paid in lieu of fractional shares based on the closing price on the record date.
Chairman William J. Hansen stated, "We are pleased to provide our shareholders with a 10% stock dividend. The Board of Directors continue to manage stock liquidity while increasing shareholder value through exceptional financial performance."
The bank reported record performance for the nine months ended September 30, 2021. Net income for the nine months ended September 30, 2021 was $16.6 million compared to $13.5 million, a 23% increase, over the same period in 2020.
Santa Cruz County Bank (OTCQX: SCZC), with assets of $1.70 billion, is a top-rated community bank headquartered in Santa Cruz County. Today the Bank announced unaudited earnings for the third quarter ended September 30, 2021. Year-to-date earnings for the nine-month period ended September 30, 2021 was a record $16.6 million, 23% over prior year.
Santa Cruz County Bank President and CEO, Krista Snelling, stated, "We are pleased to report record nine-month performance and growth in assets reaching a new milestone, $1.70 billion. We continue to experience solid (non-PPP) loan demand and quarterly growth in (non-PPP) gross loans, which have increased by $216.0 million or 26%, compared to September 30, 2020. Our ability to respond to and support businesses through the PPP loan process, and grow new relationships as we move forward is a key indicator that our Bank remains focused on and in tune with the needs of the communities we serve."
Santa Cruz County Bank (OTCQX:SCZC), with assets over $1.6 billion, is a top-rated community bank headquartered in Santa Cruz County. Today the bank announced that its Board of Directors declared a quarterly cash dividend of $0.125 per share. The dividend is payable on October 12, 2021 to shareholders of record as of the close of business on September 30, 2021.
For the quarter ended June 30, 2021, Santa Cruz County Bank reported a $5.3 million in net income, a 40% increase over the same period in 2020.
Return on average equity was 11.97% for the quarter ended June 30, 2021. The book value per share of Santa Cruz County Bank's common stock at June 30, 2021 was $46.15, an increase of $4.68 from the same period in 2020. Shareholders' equity grew to $178.6 million, a $18.9 million increase compared to the same period in 2020.
Santa Cruz County Bank (OTCQX: SCZC), with assets over $1.6 billion, is a top-rated community bank headquartered in Santa Cruz County. Today the Bank announced unaudited earnings for the second quarter ended June 30, 2021. Net income for the quarter was $5.3 million, an increase of $1.5 million, or 40%, over the same period in 2020. Year-to-date earnings for the six-month period ended June 30, 2021 was a record $11.1 million, 36% over prior year.
Santa Cruz County Bank President and CEO, Krista Snelling, commented, "During the second quarter, we surpassed $1.6 billion in assets. The influx of capital from the economic stimulus programs, coupled with California's reopening, has positively impacted our region, which relies heavily on the visitor and tourist industry. We continue to experience strong (non-PPP) loan demand from businesses finding opportunities to reinvest capital into infrastructure, business expansion and new technology. "
Santa Cruz County Bank (OTCQX: SCZC), today announced Susan Just has joined the bank as Executive Vice President and Chief Credit Officer.
Ms. Just has an extensive background in commercial lending, structured finance, and credit risk management, including loan review, regulatory compliance, and ALLL. She has held senior credit roles at major banks across the country including JPMorgan Chase, Northern Trust, and Bank of Montreal. Ms. Just's 30-year career includes credit portfolio management of loan portfolios up to $8.5 billion.
Early in her career, with JPMorgan Chase and its predecessor organizations, Ms. Just established herself as a proficient underwriter of commercial, corporate, and securitized transactions, taking on roles of increasing responsibility and managing multi-billion-dollar transactions.
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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.
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