What's New

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What's New

4th in U.S., 1st in California - Top 100 Best Performing Community Banks

For a fourth consecutive year, Santa Cruz County Bank is one of the Top 100 Best Performing Community Banks in the entire country! We are honored to be ranked 4th in the S&P Global Market ranking of Top 100 Performing Community Banks in the United States under $3 billion in assets and as the top (#1) bank in California. Rankings are based on financials for the year ended December 31, 2019. 

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Banking In Place

Sheltering in place? We’ve got you covered!  Bank safely and efficiently with our remote, self-service, 24/7 banking products and services: Mobile Banking, Mobile Deposit, Mobile Payment, Remote Deposit, Online Banking and Bill Payment, Phone Banking. You may also visit any or our ATM & Night Depositories as they remain open 24/7. If you need assistance with remote banking services, please call us at 831.457.5000, or explore our Education Center for more information. We're here for you.

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COVID-19 Update: Temporary Closure of Aptos and Scotts Valley Branches

COVID-19 Update: Circumstances have been changing rapidly. This week we have made the decision to temporarily close our Aptos and Scotts Valley branches, effective Tuesday, March 24, out of concern for everyone's safety and due to limited lobby traffic and staffing. The ATMs and Night Depositories at these locations remain in full service, and all other branches remain open and ready to serve you.

As a relationship-focused bank, we deeply value the personal interactions we share with our clients and customers. At this time of sheltering in place to help mitigate the spread of COVID-19, we ask that you practice "Banking In Place," which is the utilization of remote banking services. We are noticing fewer and fewer in-person visits and want to applaude everyone for taking precautions, limiting exposure and sheltering in place. Until circumstances change, we encourage you to "Bank In Place". If you need any assistance with remote banking services, please call us at 831.457.5000, or visit our Education Center for more information.

As you know, banks are considered essential businesses; thus, our offices and branches have remained open during the COVID-19 crisis. Our employees are telecommuting whenever possible. Our entire staff is to be commended for their commitment to ensuring essential banking services remain available to you.

Aptos and Scotts Valley Branches Temporarily Close

Coronavirus Update: We're Open for Our Community

While a Shelter in Place order is in effect for Santa Cruz and Santa Clara Counties, banks are considered essential businesses. As such, all of our branches will remain open for business, continuing to offer vital services to our community. We are here for you. We recognize the gravity of the situation and its impact. We have implemented heightened health and safety measures to ensure that our customers and staff are protected.

Some precautions we have taken to reduce the risk of exposure:

  • Sanitizing highly touched surfaces like teller windows, check writing stands, ATM/Night Drop and door handles often throughout the day
  • Instructing our janitorial service to increase and concentrate cleaning to thoroughly sanitize all high traffic surfaces
  • Encouraging our staff to avoid nonessential travel at this time (business and personal)
  • Transitioning to conference calls and teleconferencing instead of in-person meetings
  • Observing six-foot social distancing when interfacing with colleagues and customers
  • Encouraging our employees to stay home if they or a family member are ill, and asking the same of anyone planning to visit our offices

Thank you to our employees who continue working (whether remotely or in our branches), while observing social distancing, in order to provide essential services to our community. The well-being and vitality of our community are of utmost importance, and we are closely monitoring the evolving situation and adapting as needed. We will keep you informed as things change.

While our branches remain open for business, we strongly encourage you to utilize our wide array of remote and self-service, 24/7 banking tools: Online Banking and Bill Payment, Mobile Banking, Mobile Deposit, ATMs, Night Depository, Remote Deposit Capture (FastTrack!) for Businesses and banking by phone.

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Santa Cruz County Bank Announces Dividend

The Board of Directors of Santa Cruz County Bank is pleased to announce the declaration of a quarterly cash dividend in the amount of $0.075 per share. The dividend is payable on April 10, 2020 to shareholders of record as of the close of business on March 31,2020. This is the twenty-eighth consecutive quarterly cash dividend declared by the Bank. For more information about Santa Cruz County Bank's stock, please visit our Investor Relations page.

Santa Cruz County Bank Announces Dividend

Our Community Matters Most. A letter from our President & CEO

To our Community,

As we face challenges posed by the coronavirus (COVID-19), we are committed to the safety of our customers, clients, employees and community.

During this time of heightened concern, we want to assure you that we are taking every precaution to protect you during this public health crisis. We have always adhered to strong health and safety standards. We have implemented even stronger measures in accordance with guidelines issued by the World Health Organization, the Centers for Disease Control and local health authorities to ensure a safe environment for everyone, which includes social distancing, with six feet of separation wherever possible between our staff members and customers.

With this in mind, we encourage you to utilize our wide array of remote, self-service and 24/7 banking tools:  Online Banking and Bill Payment, Mobile Banking, Mobile Deposit, ATMs, Night Depository, Courier Service, Remote Deposit Capture and Telephone banking. 

We have a comprehensive, proven Business Continuity Plan in place that provides for uninterrupted service. We do not anticipate any disruptions in daily operations. Our offices will remain open and our team remains ready to serve you.

We are aware that these unusual circumstances may create some adverse financial impact on individuals and businesses due to cancellations and changing behaviors.  As always, we have resources available and are here to help our community. Please reach out to us to discuss how we might be of help.

Our commitment to providing the highest level of service to our community remains as our top priority. We are all in this together. Let’s stay positive and healthy.

David Heald, President and CEO

photo of David Heald

SBA Assistance for Small Businesses Impacted by Coronavirus (COVID-19)

The U.S. Small Business Administration (SBA) announced they are offering low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). To inquire about SBA’s Economic Injury Disaster Loans please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail disastercustomerservice@sba.gov.  More guidance and resources for businesses are available at www.sba.gov.

 

 

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Bank Hires Stephen W. Meade, VP, Senior Relationship Manager

We are pleased to announce Stephen W. Meade has joined the Bank as Vice President, Senior Relationship Manager for Cupertino and Silicon Valley.

Mr. Meade is based at the Bank’s office in Cupertino at 19240 Stevens Creek Blvd, in close proximity to Valco and the Apple campus.  Mr. Meade will be responsible for developing new relationships and expanding existing business relationships in Cupertino and the Silicon Valley.

Mr. Meade has 20 years of experience with Investment Commercial Real Estate, SBA 504 and 7a, Commercial and Industrial lending. Mr. Meade obtained his Bachelor of Science degree in Finance from California State University, Fresno and received an underwriting certification from the Risk Management Association.  Most recently, Mr. Meade was a Business Relationship Manager for Chase Bank.

Santa Cruz County Bank ranked fourth in the Silicon Valley for the number of SBA loans lent in San Mateo, Santa Clara, Santa Cruz, San Benito and Monterey counties. The Bank also ranks as a top SBA and USDA lender in California.

Commenting on his new appointment, Mr. Meade stated, “The merger between Santa Cruz County Bank and Lighthouse Bank allows me to lend and structure competitively where the competition simply cannot. Here, I have the ability to speak directly with underwriting to structure approvals for commercial real estate investment, construction, business loans and lines of credit, SBA and start up leverage options.”  

Jon Sisk, Regional President commented, “Stephen is well versed in lending and relationship building in the Silicon Valley region. We look forward to Stephen’s contributions to the growth of our Cupertino office and the Bank overall.”

Photo of Stephen Meade

Santa Cruz County Bank is a 5-Star “Superior” Rated Bank

Santa Cruz County Bank is rated a 5-Star “Superior” bank by Bauer Financial, Inc. based upon its financial performance for the quarter ending December 31, 2019. 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. For more information on Bauer Financial, Inc. visit www.bauerfinancial.com.  Santa Cruz County Bank has ranked as a 4-Star “Excellent” and 5-Star “Superior” bank every quarter in the history of our ratings from Bauer Financial.

Santa Cruz County Bank is a 5-Star “Superior” Rated Bank

Thank you Sentinel Readers!

We are thrilled to announce Sentinel newspaper readers have voted Santa Cruz County Bank as the #1 bank in the county. We set out to be the community's bank of choice and this recognition is a clear affirmation of that mission. We appreciate the community’s confidence in us and look forward to delivering the best in local banking in the years ahead!

 

 

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16th Anniversary of Santa Cruz County Bank

Serving our community just gets sweeter and sweeter by the year! We couldn't be more thrilled to invite you to join us for a weeklong celebration from February 3-7th in all locations. We send a special THANK YOU to our clients, customers and community for your support and loyalty over the past 16 years! We're looking forward to the next 16 and beyond.

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Bank Announces Record 2019 Earnings

We are pleased to announce unaudited earnings for the fourth quarter and year ended December 31, 2019.  Net income for the year was a record $12.3 million, an increase of $900 thousand or 8% over prior year.

Financial Highlights:

  • Assets of $1.071 billion
  • Total deposits of $904 million
  • Pretax income of $17.4 million for the year, a new record
  • Net interest margin of 4.80%
  • Return on average assets of 1.56%
  • Return on average equity of 13.65% 
  • Efficiency ratio of 53.72% for the year
  • Well capitalized with a total risk based capital ratio of 16.88%
  • Continued exceptional credit quality with no loans on non-accrual
  • Book value per share after cash and stock dividends increased by $11.26 or 40%, to $39.24 at year end

President and CEO David V. Heald commented, “We are pleased to report another record setting year of achievements, both financially and strategically. In 2019, with the support of our shareholders, we successfully completed our merger with Lighthouse Bank. We enter our sixteenth year of operations with greater strength and resources to serve individuals and businesses in our community and into two new market areas, Silicon Valley and Monterey County.”

On October 18, 2019, Santa Cruz County Bank and Lighthouse Bank completed the previously announced Agreement and Plan of Reorganization and Merger. The combined organization, with over $1 billion in assets, and enhanced lending capacity will allow the Bank to attract and serve much larger relationships. The Bank also recently announced its plan to expand into Salinas and the Monterey Peninsula where the Bank’s extensive knowledge in USDA and FSA lending will benefit the predominant agricultural businesses in this market area.

To view the entire press release and for more information on Santa Cruz County Bank's performance, please visit our Investor Relations page.

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Bank Hires Richard Aiello, SVP, Regional Manager

We are pleased to announce Richard (Rich) Aiello has joined the bank as Senior Vice President, Regional Manager for the Salinas and Monterey regions.  

Mr. Aiello will be based in Monterey County where he will be responsible for leading the Bank’s expansion efforts by developing new relationships and expanding existing business relationships in Salinas and the Monterey Peninsula. 

Mr. Aiello has an extensive education and professional background in finance, credit analysis and branch management. Most recently, Mr. Aiello was Senior Vice President, Regional Manager for Mechanics Bank (formerly Rabobank) for six years where he was responsible for 14 branches extending from King City to San Jose, including the Monterey Peninsula and Salinas branches.

Mr. Aiello obtained a Bachelor’s Degree in Finance from Cal Poly San Luis Obispo, and graduated from Pacific Coast Banking School at the University of Washington in 2013.

An active community volunteer, Mr. Aiello currently serves on the Impact and Investment Committee for the Community Foundation of Monterey County and the Board of Pasadera HOA.  In the past, he has served as a Board member of the Monterey Peninsula Chamber of Commerce, Notre Dame High School in Salinas, Monterey County Free Libraries, Italian Festival of Santa Rosalia – Monterey, and is a former Rotarian of both the Castroville Rotary Club and the Monterey Cannery Row Club.

Commenting on his new appointment, Mr. Aiello stated, “Santa Cruz County Bank is well known in the region and in the industry as a leading lender with exceptional financial ratings.  I am extremely honored to join Santa Cruz County Bank. I look forward to contributing to the Bank’s expansion efforts in the Salinas and Monterey Peninsula regions and continuing to deliver banking services to meet the needs of individuals and businesses along the Central Coast and Salinas Valley. Santa Cruz County Bank’s extensive knowledge in USDA and FSA lending will specifically benefit the predominant growers and agricultural businesses in this region.”

Fred Caioccia, Executive Vice President and Regional Credit Officer commented, “Rich is a well-known banker and commercial lender throughout the Salinas and Monterey area. His understanding of relationship banking is a perfect fit with Santa Cruz County Bank’s unique style of doing business for the long term through relationship and community building. His experience and skills for developing long term relationships with borrowers and depositors and the community at large are an asset to the Bank. We look forward to Rich’s contributions to the Bank’s expansion in the Salinas and Monterey regions and to serving the community in the years ahead.”

Bank Hires Richard Aiello, SVP, Regional Manager

Bank Announces Completion of Merger; Board Expansion

The Merger of Lighthouse Bank with and into Santa Cruz County Bank closed on October 18, 2019.   

Founding Directors of Lighthouse Bank, John Burroughs, Craig French, Stephen Pahl and James Weisenstein have joined Santa Cruz County Bank’s Board of Directors. Former President of Lighthouse Bank, Jon Sisk has joined Santa Cruz County Bank’s Management team as Regional President.

“We are thrilled to announce the completion of our merger with Lighthouse Bank. Today we welcome four talented individuals to our Board, each of whom bring extensive knowledge and experience in community banking. We look forward to serving our community with our expanded team,” said William J. Hansen, Chairman of Santa Cruz County Bank.

“The successful merger of our two top performing and nationally recognized financial institutions positions Santa Cruz County Bank as the largest community bank in the Monterey Bay Area. Our greater scale, expansion into Silicon Valley and plans to expand into the Monterey County, opens opportunities to compete for larger business relationships while meeting the expansion needs of our existing business relationships,” stated David V. Heald, President and CEO of Santa Cruz County Bank.

Both Lighthouse Bank branches, one in Santa Cruz and one in Cupertino, remain as full service branches. Customers of both banks will have access to a total of seven branches, six in Santa Cruz County and one in Cupertino. The strategy for integration of Lighthouse Bank into Santa Cruz County Bank is well underway. A complete systems conversion is scheduled to take place in early April 2020. For more information is available online on the Santa Cruz County Bank website Merger Information page.

Photo of four new board members

Shareholders Vote In Favor Of Merger

We are pleased to announce the shareholders of Santa Cruz County Bank and Lighthouse Bank have approved the Agreement and Plan of Reorganization and Merger (the “Agreement”) which was announced on May 28, 2019, whereby Lighthouse Bank will merge with and into Santa Cruz County Bank. In addition to shareholder approval, the Bank has also received all regulatory approvals for the merger which is expected to close on October 18, 2019.

More than 91 percent of shares voted by Lighthouse Bank shareholders were voted in favor of the merger and over 98 percent of shares voted by Santa Cruz County Bank shareholders were voted in favor of the merger.

“The collaborative effort by the Directors, Executive Management, Senior Management and employees, of these two nationally recognized banking institutions, has been phenomenal. We will welcome four experienced Directors, John Burroughs, Stephen Pahl, Craig French and James Weisenstein to join our Board of Directors when the merger closes. Together we are excited to continue serving our local community and enhancing shareholder value,” said William J. Hansen, Chairman of Santa Cruz County Bank.

"We look forward to offering seven full-service banking offices for the convenience of our customers and community. The expansion of our facilities as a result of the merger will provide greater access for our growing customer base, additional space for our employees, and the use of conference rooms for community groups. Since our merger announcement in late May, transition teams at both banks have been working diligently to develop our conversion strategy.  We welcome Lighthouse Bank staff members to our family and look forward to bringing our two banks together to serve our communities as one premier banking institution,” stated David V. Heald, President and CEO of Santa Cruz County Bank.

When the merger transaction is completed, Santa Cruz County Bank’s total assets will increase to nearly $1 billion on a pro forma basis.  Both Lighthouse Bank branches, one in Santa Cruz and one in Cupertino, will remain as full-service branches after the merger is completed, and customers of both banks will have access to a total of seven branches, six in Santa Cruz County and one in Cupertino.

Read the full press release on the Merger Information page.

Shareholders Vote In Favor of Merger

Merger Announcement

Santa Cruz County Bank and Lighthouse Bank Announce Agreement to Merge

Highlights of Announced Transaction

  • Creates the Monterey Bay Area’s premier community business bank with nearly $1 billion in total assets upon estimated closing date: the largest community bank in the Monterey Bay Area with approximately 12.75% of deposits in Santa Cruz County based on FDIC data as of June 30, 2018.
  • Enhances Santa Cruz County Bank’s community bank dominance in the Monterey Bay Area with expansion into the Silicon Valley and more resources to execute strategic plans and additional growth opportunities.
  • Combined company forms a high-performing franchise with industry recognized earnings, net interest margin and efficiency ratio, while maintaining pristine credit metrics.

Santa Cruz County Bank and Lighthouse Bank announced they have entered into an agreement and plan of reorganization and merger (the “Agreement”), pursuant to which Lighthouse Bank will merge with and into Santa Cruz County Bank in an all-stock transaction valued at approximately $68.87 million or $25.50 per Lighthouse Bank common share as of close of market on May 28,2019. The merger will increase Santa Cruz County Bank’s total assets to nearly $1 billion on a pro forma basis with 7 full service banking offices in Santa Cruz and Santa Clara Counties.

Lighthouse Bank is a full-service community bank headquartered in Santa Cruz with a branch in Cupertino. As of March 31, 2019, Lighthouse Bank had approximately $314 million in total assets and a return on average assets of 1.73% for the first quarter of 2019.

“We are excited to welcome Lighthouse Bank to our company. This merger creates tremendous opportunity for shareholders, employees and customers of both banks, all of whom stand to benefit greatly. The merger offers all shareholders both immediate value and the opportunity to participate in potential upside as the bank generates momentous growth from its market-focused community banking strategy. Planning for the integration of these two banks is in progress and we expect to expeditiously realize the full value of the cost synergies we have identified,” said William Hansen, Chairman of Santa Cruz County Bank.

David Heald, Santa Cruz County Bank President and CEO added, “We are very pleased to welcome Lighthouse Bank’s board members, executives and employees to our team and look forward to their contributions to our combined premier performing institution. Together, we will achieve even greater milestones. We have all worked together in our community for many years and have tremendous mutual respect. Individuals who choose to bank with community driven institutions over the major banks recognize our shared values of community reinvestment, high-touch customer service, and local decision-making. These fundamentals will not change.”

“Lighthouse has long regarded Santa Cruz County Bank and shares similar values, celebrating community and a commitment to excellent customer service and shareholder returns,” remarked John Burroughs, Chairman of Lighthouse Bank.  “We have tremendous respect for the leadership at Santa Cruz County Bank, many of whom are former colleagues,” said Jon Sisk, President of Lighthouse Bank.  “We’re thrilled to come together with their team, and to expand the breadth and depth of service and resources for our customers. The blending of two of the nation’s top-performing banks, each of them founded and headquartered in Santa Cruz, will deliver a premier banking experience for our community.”

The boards of Santa Cruz County Bank and Lighthouse Bank have unanimously approved the transaction, which is subject to customary closing conditions, including the approvals of state and federal bank regulatory agencies and the shareholders of both Lighthouse and Santa Cruz and other conditions specified in the Agreement. The transaction is expected to close in the third quarter of 2019.

To view the Santa Cruz County Bank and Lighthouse Bank Announce Agreement to Merge press release, click here.

Santa Cruz County Bank & Lighthouse Bank

Top 200 Best Performing Banks

We are thrilled to announce for a sixth consecutive year, Santa Cruz County Bank is ranked in American Banker Magazine’s Top 200 Best Performing Community Banks and Thrifts in the United States. Our Bank ranked 12th out of 601 publicly traded institutions with less than $2 billion in assets in the nationwide ranking. Based upon 3-year average return on equity from 2016-2018, Santa Cruz County Bank also ranked 4th in the state out of a total of 26 California banks in the Top 200 list.

Top 200 Best Performing Banks

Optimal Bank Ranking by Seifried & Brew

We are pleased to announce receipt of ranking as an optimal performer in the prestigious Seifried & Brew 2018 Top 15th Percentile. The Top 15th Percentile represents a select group of high-performing banks that are made up of the best 782 out of 5,213 community banks in the nation. Within the Top 15th, Santa Cruz County Bank ranked at number 267 nationally and ranked 7th in the Top 10 list for the state of California. To receive this rating, Santa Cruz County Bank demonstrated exemplary performance by managing its exposure to risk while maintaining a notable level of reward.

The Top 15th ranking is based on a comparison of the S&B Risk Index and measures of performance. The Risk Index includes an array of risk factors that banks must constantly manage, such as liquidity risk and capital risk. Measures of performance, or reward, are primarily a bank’s return on average assets or return on average equity. S&B measures individual bank performance by determining the balance of risk and reward and then compares banks across the United States. The banks included in this index have assets between $10 million and $30 billion.

Optimal Bank Ranking by Seifried & Brew

Santa Cruz County Bank Voted “Favorite Bank”!

Santa Cruz County Bank received the Santa Cruz Waves 2019 Swellies Award for “Favorite Bank”. Thank you to everyone who voted and congratulations to all 2019 Swellies Award winners!   

2019 Swellies Award Winner

Super Premier Performing Bank Designation

The Findley Reports, Inc. recently designated Santa Cruz County Bank as a Super Premier Performing Bank for a 9th consecutive year based on 2018 financial performance. For a bank to achieve the Super Premier performance rating it must meet four key performance ratios established by Findley Reports, Inc.. Super Premier is the highest rating level established by Findley Reports, Inc. Santa Cruz County Bank met the four criteria at a high level of performance: growth, return on beginning equity, net operating income as a percentage of average assets and loan losses as a percentage of gross loans. The Findley Reports, Inc. has been recognizing the financial performance of banking institutions in California and the Western United States for over fifty years.  Findley Reports also recognized Santa Cruz County Bank as an exceptional bank in its March 2019 newsletter.  

Super Premier Performing Bank

Santa Cruz County Bank Voted “Best Bank”!

For a seventh consecutive year, Santa Cruz County Bank received the most votes for “Best Bank” in the Good Times Best Of Santa Cruz County annual poll. Thank you to everyone who voted and congratulations to all the Best Of winners in our community!   

Good Times Best of Santa Cruz 2019

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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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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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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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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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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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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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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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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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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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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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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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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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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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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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