What's New

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What's New

Increased Quarterly Cash Dividend to Shareholders

On June 15, 2021, the Board of Directors of Santa Cruz County Bank announced the declaration of a 25% increase in quarterly cash dividend rate from $0.10 per share to $0.125 per share. The dividend is payable on July 6, 2021 to shareholders of record as of the close of business on June 25, 2021.

Chairman William J. Hansen stated, “We continue to reward our shareholders with another increase in our quarterly dividend. The management team and Board of Directors continue to balance capital retention while supporting our shareholders through the distribution of increasing dividends.”

For more information about Santa Cruz County Bank stock and financial performance, please visit our Investor Relations page.

 

Graphic: Stock graph with upward arrow

Best Performing Top 200 Community Banks in the Nation

Santa Cruz County Bank is ranked 29th in the Top Performing 200 Community Banks and Thrifts in the United States. Performance data and rankings released in American Banker Magazine’s May 2021 publication included a total of 511 publicly traded institutions with less than $2 billion in assets. Ranking is based upon 3-year average return on equity for the years ending December 31, 2018, 2019 and 2020.  

Santa Cruz County Bank is ranked 4th in the state out of a total of 26 California banks ranked in American Banker Magazine’s Top 200 Community Bank list. The median 3-year return on average equity for the top 200 banks was 11.39% compared to a median of 9.22% for all 511 institutions. Santa Cruz County Bank’s 3-year average return on equity was 14.61% from 2018-2020.

Krista Snelling, President and CEO commented, “We are honored to be ranked among the Top 200 banks in the nation for an eighth year based upon our financial performance. Our position in the top performance ratings year after year, in both California and the nation, is the result of strategic focus and discipline by our entire team. We continue to expand and excel within our industry while maintaining exceptional credit quality and high performance.”

Graphic: Top 200 Community Banks by American Banker

Santa Cruz County Bank is a 5-Star "Superior" Rated Bank

Santa Cruz County Bank is rated as a 5-Star “Superior” bank by Bauer Financial, Inc. based upon its financial performance for the quarter ending March 31, 2021. 5-Star is the highest rating determined by Bauer Financial, which 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 been rated as a 4-Star “Excellent” and 5-Star “Superior” bank every quarter in the history of our ratings from Bauer Financial.

Image: 5-Star “Superior” Rated Bank by Bauer Financial Inc.

Bank Stock Now Trading on OTCQX

We are pleased to announce Santa Cruz County Bank has qualified to trade on the OTCQX® Best Market. Santa Cruz County Bank (CA) upgraded to OTCQX from the Pink® market.

As of May 20, 2021, Santa Cruz County Bank (CA) begins trading on OTCQX under the symbol “SCZC.”  Graduating to the OTCQX Market marks an important milestone for community banks in the U.S. public markets. The OTCQX Market enables banks to maximize the value of being a public company by providing transparent trading and easy access to company information for shareholders. To qualify for OTCQX, community banks must meet high financial standards, follow best practice corporate governance, and demonstrate compliance with applicable securities laws.

President and CEO of Santa Cruz County Bank, Krista Snelling, stated, “By joining the OTCQX Best Market, we intend to generate broader recognition by investors and to further highlight the exceptional performance of Santa Cruz County Bank. We are honored to be included on the OTCQX, which supports the Bank’s growth and commitment to creating more value for our shareholders.”

Bank Stock Now Trading on OTCQX

Jon Sisk Promoted to Regional President/Chief Banking Officer

The Bank is pleased to announce the promotion of Jon Sisk from Regional President to Regional President/Chief Banking Officer. In his new role Jon will expand his leadership in the planning, development and execution of the Bank's business development strategy for lending, deposits, and will lead the Bank’s growth in new markets.

Santa Cruz County Bank’s President and Chief Executive Officer, Krista Snelling, commented, “Jon’s dedication to community banking, building longstanding relationships, and his many decades as a community leader are perfectly aligned with Santa Cruz County Bank’s commitment to being a trusted banking partner. Jon’s leadership is key to the execution of our strategic plan and overall business development. We’re excited to advance his leadership role and look forward to his continued contributions.” 

Jon Sisk, Regional President/Chief Banking Officer, stated, “Santa Cruz County Bank has an outstanding team and a proven track record as one of the nation’s top performing banks. I look forward to continuing to support the organization’s efforts to achieve premier performance and its commitment to making meaningful impacts in the communities we serve.”

Jon’s 25+ years as a community banking leader in Santa Cruz County began in 1994 at Coast Commercial Bank. Jon was a Founder and President of Lighthouse Bank, established in 2007, and played a critical role in the merger with Santa Cruz County Bank in 2019. As Regional President of Santa Cruz County Bank, Jon’s leadership within the executive team guided the Bank’s growth in Silicon Valley and added valuable new relationships for the Bank in the region. 

Jon is actively involved with the local community and non-profit organizations, volunteering his time with the American Bankers Association, Dominican Hospital/Dignity Health, Dominican Hospital Foundation, Santa Cruz Board Riders Club, Santa Cruz County Business Council, Santa Cruz Sunrise Rotary, and Second Harvest Food Bank. In 2009, Jon was recognized by the Santa Cruz County Chamber of Commerce as Man of the Year.                    

Jon is based out of the Bank’s 75 River Street location in downtown Santa Cruz.

Image of Jon Sisk

Bank Announces Salinas Expansion, Future Branch

We are excited to announce the purchase of a building in Salinas and our plan to further expand into Monterey County by opening a full-service branch in Salinas in 2022.

Located at 480 & 482 South Main Street, the future home of Santa Cruz County Bank’s ninth full-service branch was built in the early 1970’s. Currently occupied by Central Coast College, the building will undergo a complete remodel in early 2022 to provide a full-service banking office with space for additional staffing, ample parking and ATM/Night Depository. The improvements will contribute to the City’s Downtown Salinas Vibrancy Plan, which includes converting Main Street into a two-way street.

Santa Cruz County Bank Board Chairman William J. Hansen commented, “We continue to expand to meet our customers where they are, both digitally and geographically. Our Salinas branch project advances the Bank’s strategic plan to expand into the Salinas/Monterey region. The opening of our eighth full-service banking office in downtown Monterey in January launched our strategic expansion into Monterey County. We look forward to opening the Salinas branch in 2022 to continue to serve our long-established business relationships, while attracting new business in the Salinas Valley and contiguous market areas.”

Image: Side view of building at 480 S. Main Street in Salinas, future home of Santa Cruz County Bank sign

Bank Announces Record First Quarter Earnings

The Bank announced record unaudited earnings for the first quarter ended March 31, 2021. Net income for the quarter was $5.8 million, an increase of $1.4 million, or 32%, over the same period in 2020.

Performance highlights as of and for the quarter ended March 31, 2021 included the following:

  • Assets of $1.55 billion as of March 31, 2021, an increase of $480.5 million or 45%, compared to March 31, 2020.
  • Deposits of $1.36 billion, an increase of $456.9 million or 51%, compared to March 31, 2020.
  • Pretax income of $8.2 million for the quarter ended March 31, 2021, a new record, compared to $5.7 million and $6.2 million for the quarters ended December 31, 2020 and March 31, 2020, respectively.
  • Net interest margin was 4.10% for the first quarter of 2021, as compared to 4.08% in the trailing quarter
    and 4.51% in the same quarter of 2020.
  • For the quarter ended March 31, 2021 and December 31, 2020, return on average assets was 1.60% and 1.12%, respectively, and the return on average tangible equity was 16.40% and 11.66%, respectively.
  • Efficiency ratio was 45.60% for the first quarter of 2021, as compared to 49.45% in the trailing quarter
    and 47.55% in the same quarter of 2020.
  • All capital ratios were above regulatory requirements for a well-capitalized institution with a total risk-based capital ratio of 16.24%.
  • Continued exceptional credit quality with only one loan for $30 thousand on nonaccrual.
  • Book value per share after cash dividends increased to $44.95 at March 31, 2021 compared to $43.74 at December 31, 2020.

Santa Cruz County Bank President and CEO, Krista Snelling, commented, “It is a pleasure to present the Bank’s record quarter earnings. During the quarter, we celebrated the opening of our eighth full service banking office, located in Monterey and the expansion of our SBA Department. We continue to support businesses through the Paycheck Protection Program and to provide access to capital for all businesses, while maintaining exceptional credit quality.”

To view the entire earnings release or for more information about Santa Cruz County Bank stock and financial performance, please visit our Investor Relations page.

Graphic: 1st Quarter, Q1 in upper left quadrant of square

Tila Banuelos and George Gallucci to Retire from Bank Board of Directors

The retirement of founding Director Tila Banuelos and founding Chairman, George Gallucci from Santa Cruz County Bank's Board of Directors is effective as of the date of the Bank’s Annual Meeting of Shareholders on May 26, 2021.

Chairman William J. Hansen stated, “Today we announce the upcoming retirement of Tila Banuelos and George Gallucci from our Board of Directors. On May 26, 2021, Tila and George will retire from our Board after serving as founding Directors since the Bank’s inception. On behalf of the entire Board of Directors of Santa Cruz County Bank, we thank both Tila and George for their service, business referrals and lasting contributions to Santa Cruz County Bank. Their involvement from the beginning has been instrumental in the success of Santa Cruz County Bank. We wish the very best for both Tila and George in the next chapter of their lives!”

Tila Banuelos is President and CEO of Mas Mac, Inc., which owns 3 MacDonald’s franchises in Watsonville, California. Ms. Banuelos’ banking background includes a 32-year career at Bank of America where she accelerated to Vice President and Manager. Tila has a teaching degree in Banking and Finance, and taught at Rio Hondo College, Whittier, CA from 1979-1989. She received her Bachelor of Science degree in Human Relations, Organizational Behavior from University of San Francisco. An avid community supporter and volunteer, Tila has been honored by numerous community and national organizations in recognition of her vast business leadership experience and community engagement. 

Founding Director Tila Banuelos commented, “It is a great honor to be a founding board member of Santa Cruz County Bank. I am proud of our work over the years in hiring the folks that joined us to build a new community bank from the ground up. Meeting with, and obtaining approval, from state and federal bank regulators was an awesome experience. I am so proud of our employees, the great success of our Bank, and how we’ve worked together in meeting the challenges of growth and current times. Now it’s time for the next chapter of my life: family, church, and good friends.”

George Gallucci is a retired Registered Investment Advisor and banker. George worked at County Bank and Trust in Santa Cruz, California, and its successor, Pacific Western Bank, from 1968-1990. He became a Registered Investment Advisor at Scharf Investments, a private investment advisory firm, in 1991. He left his role as Director of Client Relations at Scharf Investments in 2013.

Former Founding Chairman George Gallucci remarked, “It has been extremely gratifying to be part of the group that launched Santa Cruz County Bank. The success enjoyed by the Bank is largely the result of the management team and their commitment to the Bank and the community. I thank each and every one for their contributions. I leave the Board of Directors with the confidence that it is in good hands to perpetuate the success we have established as part of our goals and objectives.

Photo of Tila Banuelos and George Gallucci

Promotion of Kaylee Silverberg to Relationship Manager

Santa Cruz County Bank is pleased to announce the promotion of Kaylee Silverberg from Credit Analyst to Relationship Manager. She will continue to be based at the Bank’s 2020 N. Pacific Avenue Santa Cruz location as Relationship Manager, responsible for customer acquisition, lending, and business development.

Kaylee worked previously with Lighthouse Bank as a Customer Service Representative. She joined Santa Cruz County bank as Credit Analyst in July 2019, shortly before the merger of the two institutions in October 2019.

Santa Cruz County Bank’s Executive Vice President and Chief Lending Officer, Angelo De Bernardo, commented, “Kaylee’s experience as a Credit Analyst and her work with loan and portfolio management provide an excellent foundation for her new role as Relationship Manager. We look forward to Kaylee’s continued commitment to deliver exceptional service to our customers and community while building her overall portfolio of business.” 

Kaylee is a graduate of California Polytechnic State University, San Luis Obispo with a Bachelor of Science degree in Agricultural Business. She is also a graduate of the California Community Banking Network (CCBN) Credit Analyst school. 

Photo of Kaylee Silverberg

Promotion of Chris Van Zanen to Vice President, Relationship Manager

We are pleased to announce the promotion of Chris Van Zanen from Assistant Vice President, Relationship Manager to Vice President, Relationship Manager.

Santa Cruz County Bank’s Executive Vice President and Chief Lending Officer, Angelo De Bernardo, commented, “Chris Van Zanen’s dedication to Santa Cruz County Bank and our clients is greatly valued. Most recently, his experience and commitment to help small business owners in our community and in the greater Bay Area were crucial during the Bank’s successful delivery of Paycheck Protection Program loans over the last 12 months. We look forward to his continued contributions as VP, Relationship Manager in the years ahead.” 

Chris joined the Bank in February 2014 and dedicated four years as a Credit Analyst playing a critical role underwriting loan applications and supporting the growth of the Bank. In 2018 Chris was promoted to Relationship Manager, handling portfolio management and developing new business. Chris was then promoted to Assistant Vice President and most recently played a crucial role in delivery of PPP loans to businesses in our community. 

Chris holds a B.A. Business Management of Economics from University of California, Santa Cruz, and studied Business Administration: Concentration in Economics & Marketing at San Francisco University. He is also a graduate of the Focus Agriculture program, providing community leaders with insight into local Santa Cruz County and Pajaro Valley agriculture. Chris volunteers as a Loan Committee Member with American Nonprofits.

Photo of Chris Van Zanen

Good Times Readers Choose SCCB for Best Bank

Santa Cruz County Bank was voted Best Bank by Good Times readers in the annual Good Times Best of Santa Cruz County poll. This is our 9th consecutive year receiving this honor and we’re so grateful to be your bank of choice. Thank you for including us on this list of outstanding local businesses—we will continue to provide the best local banking for our community!

Good Times Best of 2021 Image

Bank Announces Expansion of SBA Department

We're happy to announce the expansion of our top ranked SBA Department! We've hired experienced business development officers, processors, and an additional underwriter to support the high volume of SBA requests we receive from throughout the Bay Area, Central Valley, Monterey Peninsula and north to the Oregon border. Pictured here are new Santa Cruz County Bank SBA team members: SBA Business Development Officers Kevin Rappleye, Emily Baxter and Andrew Chambers. The Bank is a preferred SBA lender, which means you have direct access to decision makers and in-house approvals for the most responsive service. Give us a call today to get started on your dream project.

Image: our SBA Department is expanding.

Bank Announces Increase in Quarterly Cash Dividend to Shareholders

On March 16, 2021, the Board of Directors of Santa Cruz County Bank announced the declaration of a 33% increase in the quarterly dividend rate from $.075 per share to $.10 per share. The dividend is payable on April 5, 2021 to shareholders of record as of the close of business on March 26, 2021.

Chairman William J. Hansen stated, “In recognition of our strong financial performance we are pleased to reward our shareholders with an increase in our quarterly dividend. Our record financial performance allows us to focus on capital retention, to support the Bank’s growth plans, while simultaneously increasing dividends to our shareholders."

For more information about Santa Cruz County Bank stock and financial performance, please visit our Investor Relations page.

Graphic: image of bar chart with upward arrow

Sentinel Readers Vote SCCB Best Bank

We are happy to announce that Sentinel newspaper readers have once again voted Santa Cruz County Bank as the #1 bank in the county – for the sixth time! We set out to be the community's bank of choice and we are honored by this recognition. We value the community’s continuing confidence in us and we look forward to delivering the best in local banking in the years ahead. Thank you!

Image of Santa Cruz Sentinel WINNER OF READERS CHOICE 2020 logo

Bank Reports Record Earnings For 2020

Santa Cruz County Bank announced unaudited earnings for the fourth quarter and year ended December 31, 2020.  Net income for the year was a record $17.5 million, an increase of $5.3 million, or 43%, over prior year. This marks the Bank’s tenth successive year of record earnings.

Pretax income for the year ended December 31, 2020 was $24.7 million compared to $17.4 million in the same period in 2019.

Financial Highlights:

  • Assets of $1.4 billion
  • Total deposits of $1.2 billion
  • Pretax income of $24.7 million for the year, a new record
  • Net interest margin of 3.99%
  • Return on average assets of 1.35%
  • Return on average tangible equity of 12.72% 
  • Efficiency ratio of 48.32% for the year
  • Well capitalized with a total risk based capital ratio of 15.59%
  • Continued exceptional credit quality with only one loan for $31,000 on non-accrual
  • Book value per share after cash dividends increased by $4.50 or 11% to $43.74 at year end

Santa Cruz County Bank Board Chairman and acting CEO, William J. Hansen, commented, “We are pleased to deliver another record setting year of financial performance to our shareholders. In 2020, we successfully completed the integration of Lighthouse Bank, issued funding to support businesses through the Paycheck Protection Program and seamlessly repositioned over a third of our workforce to work remotely during the COVID-19 Pandemic and the wildfire evacuations. We begin our seventeenth year with the opening of our newest branch located in Monterey and the resources necessary to support small businesses through the PPP as well as traditional financing. We look forward to welcoming our new President and CEO Krista Snelling on March 1st and the Bank’s continued growth and profitability under her skilled leadership in the years ahead.”

To view the entire earnings release or for more information about Santa Cruz County Bank stock and financial performance, please visit our Investor Relations page.

Graphic: 4th Quarter, Q4 in lower right quadrant of square

Our New Monterey Branch Is Now Open!

We are excited to announce the opening of a new full-service branch at 584 Munras Street, Monterey, California.

The 584 Munras Street building, built in 1984, was purchased by the Bank in April 2020 and has undergone an extensive remodel over the past several months and is now open for business. The new branch is centrally located at the corner of Munras Avenue and Webster Street in downtown Monterey. 

In 2019, having served area clients for many years, the Bank announced its plan to open its first branch in the Salinas / Monterey region and hired Rich Aiello, SVP, Relationship Manger, to lead the effort. The new branch has been staffed with a team of well-known bankers who will serve existing clients and support the development of new relationships in Salinas, Monterey and contiguous market areas.

Santa Cruz County Bank Board Chairman and acting CEO, William J. Hansen, commented, “Our expansion into Monterey County, with the opening of our eighth full-service banking office, allows us to better serve our long-established business relationships in Monterey County and attract new business. We know the right location coupled with well-regarded and well-known bankers is the formula for success.”

Rich Aiello stated, “Our Monterey team is comprised of experienced and highly-skilled bankers. Each team member has a long history of serving clients in the greater Monterey Bay region, as well as serving the community at large. We look forward to welcoming new relationships and serving the community in Monterey. We are well-positioned to help lead and support the community in the economic recovery of businesses impacted by the pandemic.”

Visit our Monterey Office and meet the team! 

image of the front entrance of the Monterey Branch at 584 Munras Avenue

Bank Announces Appointment of Krista Snelling as President and CEO

We are excited to announce the appointment of Krista Snelling as President and Chief Executive Officer of Santa Cruz County Bank. Ms. Snelling will assume the President and CEO role beginning March 1, 2021.

Chairman William J. Hansen commented, “Today we are pleased to announce the appointment of Krista Snelling as President and CEO of Santa Cruz County Bank to become effective March 1, 2021. Ms. Snelling joins us from Five Star Bank, a $2+ billion, award-winning community business bank headquartered in Sacramento, California where she serves as Executive Vice President, Chief Operating Officer & Chief Financial Officer. Krista brings nearly 25 years of strategic financial and operational expertise to Santa Cruz County Bank. As a Board we look forward to working with Krista and feel confident she will execute on our strategic plan.”

President and CEO Krista Snelling remarked, “I look forward to the opportunity to lead this top performing community bank and am fortunate to be surrounded by this talented team of employees. I thank the Board of Directors for placing their confidence in me and recognize this financial institution is highly respected as an arbiter of growth and economic development in the tri-county region. I look forward to building upon the proven success of this organization while connecting with all of our employees and customers as we advance a culture of community engagement. I am confident my knowledge and experience are aligned with Santa Cruz County Bank and look forward to collaboratively reaching our highest potential.”

Ms. Snelling graduated from the University of the Pacific with a Bachelor of Science degree with a double major in Mathematics and Economics. Krista also holds a Master of Arts degree in Economics from UC Davis. Krista serves as the Vice Chair of the Board of Directors of Sacramento Food Bank and Family Services and on the Advisory Board of the Eberhardt School of Business at the University of the Pacific where she is a frequent guest lecturer. Krista was recognized by the Sacramento Business Journal among the CFOs of the Year in 2019, as a Sacramento Business Journal Woman Who Means Business in 2020 and was also the recipient of Sacramento Commercial Real Estate Women’s Nancy Hotchkiss Woman of Impact Award in 2020. Krista is also a licensed Certified Public Accountant. Krista and her husband, Edmund, are relocating to the Santa Cruz area along with their two children.
 

photo of Krista Snelling

Bank Hires Kristine Ronzano, VP, Relationship Manager

Kristine Ronzano has joined the Bank as Vice President, Relationship Manager to serve customers in the Greater Santa Cruz area. Ms. Ronzano maintains her office at the Bank’s 2020 N. Pacific Avenue Santa Cruz location where she is responsible for customer acquisition, lending and business development.

Ms. Ronzano began her 38 year banking career in 1983 at Coast Commercial Bank. She started as a Teller and accelerated to positions of increasing responsibility over a span of 17 years, including Operations Supervisor, Credit Analyst, Business Banking Officer and Branch Manager. During her banking career at Wells Fargo she managed a team of Business Relationship Managers and Business Development officers, covering Santa Cruz, Monterey and San Luis Obispo and served most recently as Principal Relationship Manager.

A well-known veteran banker, Ms. Ronzano has deep ties in the community and has served on a wide spectrum of nonprofit boards and committees. She currently serves on the Boards of the Fallen Officer Association, the Aptos Chamber of Commerce and as a member of the Santa Cruz Business Council. Her past Board service includes Second Harvest Food Bank, the Santa Cruz Chapter of the Kidney Foundation, Santa Cruz Ballet Theater and numerous others.  

Ms. Ronzano attended San Diego State University with an emphasis on Finance coursework and has her AS degree from Cabrillo College.

Commenting on her recent appointment, Kristine Ronzano stated, “It’s an honor to join Santa Cruz County Bank. Over the years, I’ve admired the Bank’s ability to make a direct impact on the local and broader community, and I look forward to contributing to their reinvestment in local business start-ups and expansions. My early banking career and training is deeply rooted in community banking, which focuses on delivering creative lending solutions and highly personalized service. The ability to be hands-on, nimble and responsive is what sets community banks apart.”

Angelo De Bernardo, Jr., Executive Vice President and Chief Lending Officer remarked, “We are excited to welcome Kristine to the Bank and its commercial lending team. Her knowledge and reputation as a civic-minded and engaged community banker is in perfect alignment with our  values. Kristine’s knowledge of banking and experience in Operations as well as Lending are a tremendous asset to the Bank and our customers. We look forward to her contributions to the Bank and the communities we serve.”

Image: Kristine Ronzano

Temporary Closure of N. Pacific Avenue, Santa Cruz Branch

Our North Pacific Avenue, Santa Cruz branch and Night Depository services will be temporarily closing on Monday, November 23, 2020 until further notice for staffing needs and to provide coverage to keep our six other branches open for business. Our 75 River Street branch in Santa Cruz is open for in-person banking needs and night depository services. Should you need access to your Safe Deposit Box at N. Pacific Avenue, please contact us to make an appointment. 

We put the health and safety of our customers and employees first, and are closely monitoring the COVID-19 situation. See our COVID Resources page for more information and updates. 

While our six other branches are currently open and operating under normal hours, we encourage you to continue practicing "Banking In Place” and to use our ATMs and Night Depositories as much as possible. Circumstances are uncertain and ever-changing, so we continue to exercise caution and practice social distancing. 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 most 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.

Image: Front facade of Santa Cruz County Bank North Pacific Avenue Branch Santa Cruz California

Kathryn Hohl Joins as VP, Senior Relationship Manager

We are pleased to announce that Kathryn Hohl has joined the Bank as Vice President, Senior Relationship Manager to serve customers in the Greater Santa Cruz area. Ms. Hohl maintains her office at the Bank’s 2020 N. Pacific Avenue Santa Cruz location where she is responsible for customer portfolio management and expanding business relationships across Santa Cruz County.

Ms. Hohl began her commercial banking career in 2003 while working as a Commercial Senior Credit Analyst in the middle market sector of commercial lending in the Greater Bay Area. She has also worked as a Senior Commercial Lending Underwriter, Portfolio Manager, and Relationship Manager.

Ms. Hohl earned a Bachelor’s of Science Degree from California State University Hayward and a Master’s Degree in Forensic Accounting from New England College. Prior to her commercial banking career, she worked in the commercial insurance field, as a workers’ compensation insurance agent.

Commenting on her recent appointment with Santa Cruz County Bank, Kathryn Hohl stated, “I am very excited to join Santa Cruz County Bank and once again become part of a well-respected local community bank. I am honored to work for a known leader in the community and look forward to helping local businesses grow and flourish.”

Angelo De Bernardo, Jr., Executive Vice President and Chief Lending Officer remarked, “We are excited to welcome Kathryn. Her background in commercial banking, lending and relationship building are an asset to the community and our team. We look forward to her contributions to the Bank and the communities we serve.”

image of Kathryn Hohl

Santa Cruz County Bank Introduces Zelle®

Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient's account in a matter of minutes, and all you need is the recipient's email address or U.S. mobile phone number. Learn how to mobilize your money with Zelle here.

Three young people smiling at each other, one is holding a cell phone

New Wildfire Resources Page


Our hearts go out to everyone who has been impacted by the sudden onset of wildfires in our community and throughout the state of California. We, too, have been impacted by the fires and over one-third of SCCB’s employees were forced to evacuate their homes. 

We anticipate recovery from these fires will require many facets of support over an extended period of time. Whether you have been temporarily displaced or have suffered permanent losses to your home or business, visit our Wildfire Resources Page  for information and guiidance to help you and our community recover from this most recent and devastating crisis. As always, we are here for you. Please reach out to us if you are in need of any assistance. 

Image: Thank You Emergency Responders, Bear Holds California

SCCB in ICBA's Top Lenders 2020

We are thrilled to be recognized in the Independent Community Bankers of America (ICBA) Top Lenders 2020 rankings. The July issue of ICBA’s Independent Banker Magazine features Top Community Bank Lenders throughout the United States. Santa Cruz County Bank ranked 19th in the nation for Commercial lending in 2019 for banks over $1 billion in assets. ICBA states, “There’s no doubt that 2019 looked very different than 2020 in all areas of life, and community banking was no exception. But our top lenders’ exceptional performance last year has set them up for success even in a time of turmoil.”

Image: Independent Community Bankers of America Top Lenders 2020

Santa Cruz County Bank has been Blue Check Approved

Santa Cruz County Bank received Blue Check approval, by the Public Health Department of Santa Cruz County, for the implementation of our heightened health and safety measures, which ensures that our employees, customers and community members are protected. The Blue Check designation is given to businesses that follow physical distancing protocols, enforce the use of face coverings, limit the number of customers in the store, and disinfect shared equipment, as well as other practices.

Visit our Covid-19 Resources Page for more information.

Image: Blue Check Approval Program Logo

President & CEO David V. Heald to Retire

On Monday, August 3, the Bank announced the retirement of David V. Heald as President and Chief Executive Officer of Santa Cruz County Bank. Mr. Heald will continue to serve as President and CEO until his successor is identified.

Chairman William J. Hansen stated, “Today we announce the retirement of David Heald as our President and CEO of Santa Cruz County Bank. David has navigated through several unprecedented challenges including the collapse of the real estate market in 2008 and most recently the current Covid-19 Pandemic. Throughout all of these challenges David’s leadership has resulted in Santa Cruz County Bank being recognized nationally as a top performing community bank. We have been fortunate to have had David at the helm of Santa Cruz County Bank for the past fourteen years. David’s banking knowledge and experience, from a career spanning 48 years, has been instrumental in the growth and success of the Bank.”

David V. Heald, President and CEO, remarked, “I’ve had the privilege of working beside the most dedicated, committed and talented leadership team whom I hold in the highest esteem and owe an enormous amount of gratitude. Throughout my career I’ve been blessed with long, close relationships I will cherish and keep forever. I will truly miss my Bank family, all of whom I am extremely proud. My years with Santa Cruz County Bank are the highlights of a long satisfying career in banking. Everyone in the community has been wonderful to me and we could not have built our Bank without the support of so many of you. I thank the Board of Directors for the opportunity and confidence in me to lead the organization for the last 14 years. It has been a most satisfying experience to build a locally and nationally highly ranked and respected community financial institution together. I look forward to continuing my community involvement.”

David Heald began his banking career in San Francisco in the Finance and Planning Department of a Canadian bank with a branch network in the United States immediately after receiving a Finance Degree from San Diego State University. In his 48 year banking career, David has been responsible for oversight of all lending functions, branch administration and compliance. David was asked to join the De Novo Bank in late 2003 as Chief Credit Officer. David served as Chief Credit Officer for two years prior to taking over the role of President and CEO in March of 2006. In his 16 years of service, David has provided steady leadership and a well-executed strategic vision. Santa Cruz County Bank’s growth and success, over the past several years, has been the direct result of David’s execution of the Bank’s strategic vision. The organic growth over the past sixteen years, as well as the recent merger with Lighthouse Bank, has allowed Santa Cruz County Bank to become the largest community bank in the tri-county area.

 

Image: David V. Heald

Celebrating Juneteenth

On this auspicious day in our nation’s history, Juneteenth, we reflect and celebrate our nation’s Black and African American heritage and honor this celebration with our community.

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:

  • Santa Cruz County Bank stands against racial injustice.
  • We are committed to maintaining unity and solidarity in these values and beliefs within our offices and beyond.
  • We are committed to continue providing direct monetary and volunteer support for organizations directed to address the mission of diversity, equity, and inclusion.
  • We are committed to continue investing resources in our community, including low and moderate income neighborhoods, which are disproportionately inhabited by Black, Indigenous and People of Color.
  • We are committed to being a trusted partner and employer who creates a community space where everyone feels welcome, safe and supported.

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

Today is Juneteenth Emancipation Day image

Retirement of Director Harvey J. Nickelson

Today the Bank announced the retirement of Harvey J. Nickelson from its Board of Directors, effective June 30, 2020.  

Chairman William J. Hansen stated, “Today we announce the upcoming retirement of Harvey Nickelson from our Board of Directors. On June 30, 2020, Harvey will retire from our Board after serving diligently for the past eight years. We have been fortunate to be able to enlist Harvey’s extensive banking knowledge and experience from a professional career spanning over 56 years. Harvey’s retirement is the result of his recent move to Nevada to enjoy retirement with his wife.  On behalf of the entire Board of Directors of Santa Cruz County Bank we wish Harvey a fond farewell.”

Harvey Nickelson remarked, I have truly enjoyed my eight years on the Board, and especially the success of the bank. However, it is time for me to enjoy a new adventure with my wife. I am proud of all the employees who make banking at Santa Cruz County Bank a great community experience. I will look forward to following the future successes of the Board and Santa Cruz County Bank in the years ahead."

In 1982 Harvey J. Nickelson founded Coast Commercial Bank, which was a highly regarded and well performing community bank. Harvey served as President and CEO of Coast Commercial Bank until 2003, then as a Marketing and Public Relations Consultant for Greater Bay Bancorp, which acquired Coast Commercial Bank. In his 56 year banking career, he has been recognized by numerous Chambers and community groups for his leadership, generosity and service in the community. Harvey most recently served as a Board Member of the Santa Cruz County Cancer Benefit Group.

photo of Harvey J. Nickelson

A Decade of Super Premier Performance!

The Findley Reports, Inc. recently designated Santa Cruz County Bank as a Super Premier Performing Bank for a 10th consecutive year based on 2019 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.  

Gary Steven Findley, Editor of The Findley Reports remarked, “One of the true joys in writing the Newsletter and reviewing the performance of all banks in the western United States is recognizing exceptional performance. Santa Cruz County Bank has again been recognized as a Super Premier Performing Bank and remains one of the top performing banks year in and year out.”

Super Premier Performing Bank

New Santa Cruz County Ordinance - Masks Required

The County of Santa Cruz has issued a new Health and Safety mandate which requires that masks or face coverings be worn when visiting any essential business. This makes it mandatory that you wear a mask or face covering before entering our branches. All our employees are required to wear face coverings for your protection and we ask the same of anyone entering our facilities.  As an added measure, we also have plexiglass barriers at each teller station.  

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Voted “Best Bank” in Santa Cruz County by Good Times readers

For an eighth consecutive year, Santa Cruz County Bank received the most votes for “Best Bank” in the Good Times Best Of Santa Cruz County annual poll. We're thrilled to be your Bank and to be considered the best at what we do. We send thanks to everyone who voted and congratulations to all the Best Of winners in our community - you all contribute to what makes our community so special and unique.     

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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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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
  • Face covering or masks are required to be worn by employees and visitors per the County of Santa Cruz health and safety mandate
  • Plexiglass partitions are installed at every teller station

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

Dated: March 13, 2020

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

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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 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

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

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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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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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