What's New

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What's New

Bank Welcomes Erin McCabe-Kalb, Deposit Relationship Manager Silicon Valley Region

We are pleased to welcome Erin McCabe-Kalb as Vice President and Deposit Relationship Manager for the Bank’s Silicon Valley region. She is based out of the Bank's Cupertino branch.

Ms. McCabe-Kalb has a 17-year history in the banking industry with extensive experience in portfolio management, business development and treasury management. She established herself serving as AVP Marketing and Sales and as AVP Business Financial Advisor with a regional financial institution, and then as AVP Business Development/Acquisitions and as VP Global Deposit/Treasury Management in their Northern California market. She also served as VP Commercial Treasury Management at a major national bank. Most recently Ms. McCabe-Kalb served as VP Commercial Treasury Management at a Northern California financial institution.

Jon Sisk, EVP Regional President and Chief Banking Officer, remarked, “We are excited to welcome Erin to our Silicon Valley team. Her background and expertise in portfolio management and her commitment to personal relationships with banking partners will be an asset to the Bank and a great benefit to our clients. We’re looking forward to her contributions.”

Image: Erin McCabe-Kalb

Bank Welcomes Randy Lagomarsino, Relationship Manager Silicon Valley Region

We are pleased to welcome Randy Lagomarsino as Vice President and Relationship Manager for the Bank’s Silicon Valley region. He is based out of the Bank’s Cupertino office where he will be responsible for new business acquisition, lending, and business development.

Mr. Lagomarsino has a 17-year history in the banking industry with extensive experience in sales and lending, serving as Commercial Loan Officer, VP Business Development Officer, and VP Business Development /Relationship Manager at major financial institutions in the region. Most recently Mr. Lagomarsino served as Vice President, Senior Relationship Manager at the San Jose location of a major California bank, and managed a portfolio of commercial middle market relationships.

Jon Sisk, EVP Regional President and Chief Banking Officer, remarked, “We are excited to welcome Randy to our Silicon Valley team. His commitment to building personal relationships aligns with the Bank’s mission, and his knowledge of the local business community is a valuable asset to the Bank and to our clients. We’re looking forward to his contributions.”

Read more: PR Newswire 

Image: Randy Lagomarsino

Bank Welcomes Maxwell Sinclair, EVP Chief Risk Officer

We are pleased to welcome Maxwell Sinclair to the role of Executive Vice President and Chief Risk Officer.

Mr. Sinclair has a 28-year history in the banking industry with extensive executive-level experience in risk management, compliance, AML/BSA and human resource management. Most recently, Mr. Sinclair served as EVP Chief Risk, Compliance & Human Resources Officer at Pacific Mercantile Bancorp/Pacific Mercantile Bank, where he managed all aspects of risk, compliance, and regulatory matters, human resources, as well as regulatory relationships and corporate governance. He is also a founder of an Arizona-based de novo where he served in the capacity of Chief Risk Officer with responsibilities for governance, audit, compliance and human resource management. His experience includes serving as VP Compliance & BSA Manager at Zions Bancorp (California Bank & Trust). He also served as VP Compliance & BSA Officer and CRA & Security Manager at several Southern California-based financial institutions.

Krista Snelling, President and CEO commented, “Maxwell served as an advisor in the areas of compliance and risk management. He stepped in at a crucial moment, before an FDIC Examination, which he handled smoothly and professionally, and delivered best outcomes. The vast experience and professionalism he brings to the Bank are already playing a key role in our success and growth. We’re thrilled to have him on the Executive Team.”

Read more: PR Newswire

Image: Maxwell Sinclair

Krista Snelling to Deliver Keynote at Small Business Summit

We are pleased to share that Krista Snelling, President and CEO, is the keynote speaker at the 2022 Small Business Summit, April 29, 2022, a daylong conference of discussions and interactive sessions. Angelo DeBernardo, SCCB’s EVP Chief Lending Officer, joins Krista at the Summit as a panelist. By sharing insight and expertise, our Bank leadership continues to help small business owners navigate and grow their business.

Santa Cruz County Bank is a proud sponsor of the 2022 Business Summit, presented by the Small Business Development Center of Santa Cruz County, and proud to be a reliable resource and partner for small businesses and business owners growing in new directions. Join us in celebrating National Small Business Week! 

 

Image: Krista Snelling and Angelo DeBernardo

Ten Years as Best Bank - 2022 Good Times Best of Santa Cruz County

Santa Cruz County Bank has been voted Best Bank in the annual Good Times Best of Santa Cruz County Readers' Poll. Good Times readers honored us for the 10th consecutive year - we are so incredibly grateful to be selected as their bank of choice! We give full credit to our amazing employees who are committed to supporting our community. They are the reason we are #1 year after year. Thank you Good Times for once again including us in the list of outstanding local businesses. 

Graphic: Good Times Best of Logo 2022

Bank Announces Earnings for Quarter Ended March 31, 2022

The Bank announced unaudited earnings for the first quarter ended March 31, 2022. Net income for the quarter was $5.4 million, 15% over prior quarter, and 7% or $400 thousand less than the same quarter in 2021 which benefited from significantly more fee income from the Paycheck Protection Program (“PPP”). The Bank announced a 2-for-1 stock split on February 16, 2022, and paid on March 16, 2022 to shareholders of record as of March 3, 2022. All share data for prior periods has been adjusted to reflect stock dividends and stock splits.

Santa Cruz County Bank President and CEO Krista Snelling commented, “We are pleased to achieve record assets, deposits and loans (excluding PPP) in our first quarter of 2022. Year over year, the Bank recorded significant loan growth, excluding PPP, of over $220 million. Our steady performance has resulted in the Bank’s continuity as a financial industry leader and top performer. On a local level, our entire team is to be commended for the Bank’s recent recognition from the Santa Cruz County Chamber of Commerce as a Business of the Year, and for being voted for a 10th consecutive year, “Best Bank” in Santa Cruz County. These accolades are the result of the tremendous expertise and service delivered to our clients and community by our dedicated employees.” 

Financial Highlights

Performance highlights as of and for the quarter ended March 31, 2022 included the following:

  • Record assets of $1.72 billion as of March 31, 2022, an increase of $173.2 million or 11%, compared to March 31, 2021.
  • Record gross loans (excluding PPP) of $1.14 billion, an increase of $220.2 million or 24%, compared to March 31, 2021.
  • Record deposits of $1.52 billion, an increase of $167.6 million or 12%, compared to March 31, 2021.
  • Basic earnings per share of $0.63 for the quarter ended March 31, 2022.
  • Provision for loan losses was $645 thousand for the first quarter of 2022 compared to $2.3 million for the trailing quarter and $375 thousand for the same period in 2021. The increase in fourth quarter 2021 was driven primarily by growth in the non-PPP sector of the loan portfolio. Non-PPP loan growth was $29 million for the first quarter of 2022 compared to $1.7 million for the first quarter of 2021, driving the quarter over quarter increase in provision.
  • Pretax, pre-provision net earnings were $8.3 million for the quarter ended March 31, 2022, compared to $9.0 million and $8.5 million for the quarters ended December 31, 2021 and March 31, 2021, respectively.
  • Net interest margin was 3.76% for the first quarter of 2022, as compared to 3.78% in the trailing quarter and 4.10% in the same quarter of 2021.
  • For the quarters ended March 31, 2022 and December 31, 2021, return on average assets was 1.28% and 1.09%, respectively, and the return on average tangible equity was 13.69% and 11.77%, respectively.
  • Efficiency ratio was 47.98% for the first quarter of 2022, as compared to 45.41% in the trailing quarter and 45.60% in the same quarter of 2021.
  • All capital ratios were above regulatory requirements for a well-capitalized institution with a total risk-based capital ratio of 14.83%.
  • Continued strong credit quality with nonaccrual loans totaling only $59 thousand.
  • Book value per share after cash and stock dividends decreased to $21.42 at March 31, 2022 compared to $21.80 at December 31, 2021.

To view the entire first quarter ended March 31, 2022 press release and for more information on Santa Cruz County Bank’s performance, please visit our Investor Relations page.

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

Bank Welcomes Jay Gines, Relationship Manager

We are pleased to welcome Jay Gines as Vice President, Relationship Manager. Mr. Gines is responsible for customer acquisition, lending and business development in the Salinas and Greater Monterey area. Mr. Gines will maintain an office at 584 Munras Avenue, Monterey, then will be based at the Bank’s new Salinas branch, which is slated to open in late 2022.

Mr. Gines has a 19-year banking background with extensive experience in credit analysis and relationship management. He served in Credit Analyst, Underwriter, Relationship Manager, Senior Relationship Manager and International Relationship Manager roles at major business banking institutions in San Francisco, Silicon Valley and Redwood Shores. Most recently Mr. Gines served as Relationship Manager at Bridge Bank's Corporate Banking Group in Silicon Valley.

Rich Aiello, SVP and Regional Manager, Salinas/Monterey Region, remarked, “We are pleased to have Jay join Santa Cruz County Bank at this exciting time in our expansion and as we prepare to open our Salinas office. His experience in the regional banking industry and his familiarity with the local community are great assets to the Bank and to the clients we serve. He’s a welcome addition to the team.”

Image: Jay Gines

Mary Anne Carson Promoted to Executive Vice President

We are pleased to announce the promotion of Mary Anne Carson from Senior Vice President to Executive Vice President. Under her new title Mary Anne will continue and expand her leadership as the Bank’s Chief Marketing Officer.

In November 2003, Mary Anne became the fourth employee recruited by Santa Cruz County Bank in its pre-startup phase. Mary Anne is responsible for all aspects of the Bank's marketing, advertising, corporate messaging, community development, donations, media relations, shareholder relations, and she serves on the Bank’s Executive Management team. She was instrumental in creating and launching Santa Cruz County Bank’s iconic brand, logo, website and early product offerings. She has also spearheaded projects including public and private stock sales, and has overseen the openings of seven of the Bank’s locations.

In her 30+ year banking career, Mary Anne has acquired firsthand knowledge of nearly every aspect of banking from the ground up, in positions beginning as a teller and advancing into operations, lending, financial service management, marketing and advertising, public relations, and corporate affairs.

Mary Anne is actively involved with the local community and non-profit organizations, and currently serves in board, committee and advisory roles with Santa Cruz Shakespeare, the Volunteer Center of Santa Cruz County and Santa Cruz Gives. In previous years she has served with Santa Cruz Local, Cabrillo College Women's Educational Scholarship (WES), Santa Cruz Chamber of Commerce and Santa Cruz Cancer Benefit Group. Mary Anne was recognized for her community involvement by the Santa Cruz County Chamber of Commerce as “Volunteer of the Year” in 1998 and by the Aptos Chamber of Commerce as “Woman of the Year” in 2009.  She obtained her Bachelor of Arts degree in Psychology from the University of California, Santa Cruz and is also a graduate of Leadership Santa Cruz County and Focus Agriculture.

Santa Cruz County Bank’s President and Chief Executive Officer, Krista Snelling, commented, “Mary Anne has been an asset to the Bank since before its inception and she has successfully led countless and significant projects during her eighteen-year career here. Foremost, she is responsible for the genesis of the iconic Santa Cruz County Bank brand and has been the Bank’s chief spokesperson since we opened our doors. She is a creative and innovative problem solver, and her leadership continues to be a cornerstone of our success. We look forward to her future triumphs and the continuation of her steady management as the Bank grows in new markets.”

 

Image: Mary Anne Carson

Santa Cruz County Bank Receives Business of the Year Award

Santa Cruz County Bank was named Business of the Year by the Santa Cruz County Chamber of Commerce, alongside 1st Capital Bank, Bay Federal Credit Union, and Santa Cruz Community Credit Union. All four financial institutions were recognized for supporting the local community by securing Payroll Protection Program (PPP) loans during the pandemic.

Of the over $857 million in PPP loans secured, Santa Cruz County Bank alone processed 4,204 PPP loan applications totaling $573.7 million, saving approximately 50,000 jobs and ensuring businesses were able to keep their doors open and their employees on the payroll. The Bank extended resources beyond its business clients in order to support the entire community. For round one alone, Santa Cruz County Bank funded over 1,600 PPP loans, while across the country the average number of PPP loans processed per bank was 222. Santa Cruz County Bank continues to work with businesses by processing PPP forgiveness applications.

Krista Snelling, President and CEO of Santa Cruz County Bank, says, “Thank you to the Santa Cruz County Chamber of Commerce for this meaningful recognition. As a community bank, we felt a responsibility to do whatever it took to help our customers and community. We jumped in feet first on the Paycheck Protection Program, and I give full credit to our amazing employees from all departments who worked around the clock, nights and weekends, to accomplish this Herculean task. This is community banking at its best, caring for and supporting our business community and our neighbors. It is a great pleasure to share this award with our fellow community bank partners: 1st Capital Bank, Bay Federal Credit Union, and Santa Cruz Community Credit Union. We’re in good company, doing good, impactful work.”

Santa Cruz County Bank was also honored as Business of the Year in 2018 by the Santa Cruz Chamber of Commerce. 

Graphic: Santa Cruz Chamber Business of the Year Award 2021 and 2018

Declaration of Quarterly Cash Dividend and Change in 2-for-1 Stock Split Payment Date

The Bank announced that its Board of Directors declared a quarterly cash dividend of $0.09 per share. The dividend is payable on April 4, 2022 to shareholders of record as of the close of business on March 29, 2022.

Chairman William J. Hansen stated, “The Board of Directors of Santa Cruz County Bank are pleased to announce an increase to the quarterly cash dividend paid to our shareholders. The new increased dividend will be $0.09 per share and will be payable on April 4, 2022. This cash payment follows the recent 2-for-1 stock split declared by the Board, whereby our shareholders will receive one share of stock for every share held as of the record date.”

The Bank’s most recent quarterly cash dividend was $0.125 per share, based on the pre-split shares, and was paid on January 10, 2022. On February 15, 2022, the Bank’s Board of Directors declared a 2-for-1 stock split, which will double the number of shares held by shareholders from approximately 4.27 million shares to over 8.5 million shares.

The Bank also announced its Board of Directors approved changing the payment date of its 2-for-1 stock split to March 16, 2022 after the market closes. The 2-for-1 stock split was previously scheduled to be paid on March 14, 2022 to shareholders of record as of March 3, 2022.

image of William J. Hansen

Santa Cruz County Bank is Rated 5-Star Superior by Bauer Financial, Inc.

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 December 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.

Sentinel Readers Choose SCCB As Best Bank

Thank you Santa Cruz Sentinel newspaper readers for once again voting for Santa Cruz County Bank as the #1 bank in the county – for the seventh time! Every day we strive to be the community's bank of choice. We are honored by this recognition and value the community’s continuing confidence in us. Thank you!

Graphic: Santa Cruz Sentinel Reader's Choice Award 2021

Bank Announces 2-for-1 Stock Split

The Bank's Board of Directors declared a 2-for-1 stock split payable on March 14, 2022 to shareholders of record as of the close of business on March 3, 2022.

Chairman William J. Hansen stated, “We are pleased to announce a 2-for-1 stock split of the Bank’s common shares. This is the first stock split announced in the history of the Bank. The announced stock split will increase the outstanding shares from approximately 4.25 million shares to over 8.5 million shares. The Board of Directors believe doubling the number of outstanding shares will improve the market liquidity of our stock. The Board remains committed to increasing shareholder value through exceptional financial performance.”

Photo of William J Hansen

Bank Welcomes Paul Happach, Product and Digital Transformation Manager

We are pleased to welcome Paul Happach as Senior Vice President, Product and Digital Transformation Manager. Mr. Happach maintains his office at the Bank’s 75 River Street Santa Cruz location where he is responsible for program and project management, product development and vendor management.

Mr. Happach has a 24-year banking background with extensive experience in product management, project management, and IT management. Mr. Happach is well established e-channel fields, specializing in online banking, e-channel products, and systems management. Most recently Mr. Happach served as SVP and Program Management Director with a Southern California based bank, further expanding their adoption of e- and online banking services and managing the bank’s Paycheck Protection Program and project portfolio.

Mr. Happach received a Bachelor of Science in Mathematics degree from California State University Los Angeles, and certifications from Project Management Institute, EXIN, and SPOCE Project Management.

Shamara van der Voort, Executive Vice President and Chief Operations Officer remarked, “We are extremely excited to welcome Paul to the SCCB Team. His extensive background, expertise and knowledge in product, project and systems management bring exciting opportunities to the Bank and for our clients. He’s a valuable addition to our team and we’re looking forward to his contributions.”

image of Paul Happach

Celebrating Eighteen Years Serving Our Communities

February marks eighteen years since the opening of Santa Cruz County Bank and its first full-service branch in Santa Cruz. We now operate seven full-service branches in the tri-county area and look forward to opening a new branch in Salinas in the third quarter. 

We send a special thank you to our shareholders, clients and community for your business and loyalty over the past 18 years. Your support, business referrals, and partnership are the foundation of our success.

Graphic: Happy Anniversary 18 Years

Bank Welcomes Nick Scimone, Relationship Manager

We are pleased to welcome Nick Scimone as Assistant Vice President, Relationship Manager to serve customers in the Greater Santa Cruz area. Mr. Scimone maintains his office at the Bank’s 75 River Street Santa Cruz location where he is responsible for customer acquisition, lending, and business development.

Mr. Scimone returns to Santa Cruz County Bank after his previous roles in Loan Services and as Commercial Credit Analyst and Underwriter, calculating risk in and managing the Bank’s portfolio of commercial loans while working closely with Commercial Lenders. He most recently served as AVP Senior Commercial Underwriter, focusing on Commercial Real Estate, Commercial and Industrial, SBA 504, SBA 7a, Business Acquisition, Equipment Financing, and the Paycheck Protection Program, with a locally based regional bank.

Mr. Scimone received a Master of Business degree with a Finance Focus from California State University Monterey Bay, and a Bachelor of Political Science degree with a Political Philosophy Focus from San Francisco State University. He also attended CCBN Credit Analyst School. 

Angelo De Bernardo, Jr., Executive Vice President and Chief Lending Officer remarked, “We are excited to have Nick return to the Bank. His experience in the local banking industry as well as his firsthand familiarity with our focus on relationships and community make him a valuable and welcome addition to our lending team.”

Photo of Nick Scimone

Bank Announces Earnings for Quarter and Year Ended December 31, 2021

The Bank announced unaudited earnings for the fourth quarter and year ended December 31, 2021. Net income for the year ended December 31, 2021 was a record $21.3 million, 21% over prior year, while fourth quarter net income was $4.7 million. Pretax, pre-provision net earnings for 2021 exceeded 2020 by $9.4 million.

Santa Cruz County Bank President and CEO Krista Snelling commented, “We recorded an incredible year of growth as evidenced by double-digit percentage increases, comparing 2021 to 2020, in assets, loans, deposits and net income, all of which set new historical milestones for Santa Cruz County Bank. 

We continue to make a positive impact in the communities we serve through community engagement and as a trusted financial partner. Our amazing employees logged over 500 hours in community volunteer hours in 2021. Throughout 2021, we supported business owners as they navigated through a challenging year, providing guidance on the PPP forgiveness process to help position them for success in 2022. Santa Cruz County Bank, as a trusted partner, continues to build and strengthen relationships with local business owners. In our eighteenth year of delivering community banking at its best, we look forward to further expansion, welcoming new partnerships and clients, and the opening of our new Salinas branch by third quarter 2022.”

Financial Highlights

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

  • Assets of $1.70 billion as of December 31, 2021, an increase of $277.7 million or 20%, compared to December 31, 2020.
  • Total gross loans (excluding PPP) of $1.11 billion, an increase of $192.9 million or 21%, compared to December 31, 2020.
  • Deposits of $1.5 billion, an increase of $301.6 million or 25%, compared to December 31, 2020.
  • Basic earnings per share of $1.11 and $5.01 for the three and twelve-month periods ended December 31, 2021, respectively.
  • Provision for loan losses was $2.3 million for the fourth quarter of 2021 compared to $2.1 million for the trailing quarter and $2.1 million for the same period in 2020. The increase was driven primarily by growth in the non-PPP sector of the loan portfolio and qualitative reserve factors associated with the Omicron variant.
  • Pretax, pre-provision net earnings were $9.0 million for the quarter ended December 31, 2021, compared to $9.9 million and $7.7 million for the quarters ended September 30, 2021 and December 31, 2020, respectively. Pretax, pre-provision net earnings for 2021 exceeded 2020 by $9.4 million.
  • Net interest margin was 3.78% for the fourth quarter of 2021, as compared to 4.04% in the trailing quarter and 4.08% in the same quarter of 2020.
  • For the quarters ended December 31, 2021 and September 30, 2021, return on average assets was 1.09% and 1.30%, respectively, and the return on average tangible equity was 11.85% and 14.10%, respectively.
  • Efficiency ratio was 45.40% for the fourth quarter of 2021, as compared to 42.63% in the trailing quarter and 49.45% 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 14.89%.
  • Continued strong credit quality with nonaccrual loans totaling only $376 thousand.
  • Book value per share after cash dividends increased to $43.61 at December 31, 2021 compared to $42.92 at September 30, 2021.

To view the entire fourth quarter and year ended December, 31 2021 press release and for more information on Santa Cruz County Bank’s performance, please visit our Investor Relations page.

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

Quarterly Cash Dividend Declared

The Bank's Board of Directors declared a quarterly cash dividend of $0.125 per share which is payable on January 10, 2022 to shareholders of record as of the close of business on January 4, 2022.

Chairman William J. Hansen stated, “The Board of Directors of Santa Cruz County Bank are pleased to continue payment of a quarterly cash dividend at $0.125 per share, following the recent 10% stock dividend paid to shareholders in November 2021.”

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

Graphic: Graph with upward arrow

Bank Welcomes Shamara van der Voort, Chief Operations Officer

We are pleased to welcome Shamara van der Voort as Executive Vice President, Chief Operations Officer.

Ms. van der Voort has a 25-year banking background with extensive experience in Branch and Banking Operations, Customer Service Management, Sales and Treasury/Cash Management Services.  Her expertise in Operations includes revamping structures to drive efficiency, and creating metrics and reporting to measure efficiencies and functions. Her attention to exemplary customer experience practices includes acquisition and implementation of state-of-the-art products and services encompassing Commercial Card, Trade Services, Wire & ACH Operation and Internet/Electronic Banking & Implementations, while evaluating customer and prospect needs.

Early in her career, Ms. van der Voort established herself as an expert in Treasury/Cash Management Services and Risk Management, taking on roles of increasing responsibility and gaining experience in product rollout, conversions and strategic planning at large regional and major national banks.  

Most recently, Ms. van der Voort held an Executive role at Pacific Mercantile Bank where she was Head of Operations and Client Experience, and responsible for leading, coaching and developing a team of 40+ employees in all facets of Operations, Loan and Customer Services.    Her career includes extensive Management, Branch Operations, Customer Service, Risk Management and Treasury Management experience.

Ms. van der Voort obtained a BA in Business administration from the University of Phoenix. 

Commenting on her new appointment, Ms. van der Voort stated, "I am extremely excited and proud to join Santa Cruz County Bank. I am honored to serve on the Executive team and to be working with so many amazing individuals throughout the organization. I look forward to leveraging my background and skillsets to further contribute to the Bank’s already sterling reputation and positive impact on the communities we serve."

Krista Snelling, President and CEO commented, “It is a pleasure to welcome Shamara as Chief Operations Officer and as a valued member of our Executive team. Her expertise in overseeing operations and the customer experience are a winning combination for our top performing community bank. We look forward to her contributions to the Bank and further enhancing the customer experience in the communities we serve.”

Image: Shamara van der Voort

Bank Declares 10% Stock Dividend Payment to Shareholders

Santa Cruz County Bank's Board of Directors declared a 10% stock dividend payable on November 8, 2021 to shareholders of record as of the close of business on October 26, 2021. Cash will be paid in lieu of fractional shares based on the closing price on the record date.

Chairman William J. Hansen stated, “We are pleased to provide our shareholders with a 10% stock dividend. The Board of Directors continue to manage stock liquidity while increasing shareholder value through exceptional financial performance.”

The Bank reported record performance for the nine months ended September 30, 2021. Net income for the nine months ended September 30, 2021 was $16.6 million compared to $13.5 million, a 23% increase, over the same period in 2020.

Graphic: Stock Dividend Rise, Red Arrow Up

Bank Reports Third Quarter Earnings

Santa Cruz County Bank announced unaudited earnings for the third quarter ended September 30, 2021.  Year-to-date earnings for the nine-month period ended September 30, 2021 was a record $16.6 million, 23% over prior year.

Santa Cruz County Bank President and CEO, Krista Snelling, stated, “We are pleased to report record nine-month performance and growth in assets reaching a new milestone, $1.70 billion. We continue to experience solid (non-PPP) loan demand and quarterly growth in (non-PPP) gross loans, which have increased by $216.0 million or 26%, compared to September 30, 2020.  Our ability to respond to and support businesses through the PPP loan process, and grow new relationships as we move forward is a key indicator that our Bank remains focused on and in tune with the needs of the communities we serve.”

Financial Highlights

Performance highlights as of and for the quarter ended September 30, 2021 included the following:

  • Assets of $1.70 billion as of September 30, 2021, an increase of $260.5 million or 18%, compared to
    September 30, 2020.
  • Total gross loans (excluding PPP) of $1.05 billion, an increase of $216.0 million or 26%, compared to September 30, 2020.
  • Deposits of $1.50 billion, an increase of $319 million or 27%, compared to September 30, 2020.
  • Basic earnings per share of $1.42 and $4.29 for the three and nine month periods ended September 30, 2021, respectively.
  • Provision for loan losses was $2.1 million for the third quarter of 2021 compared to $2.1 million for the trailing quarter and $360 thousand for the same period in 2020. The increase was driven by growth in the non-PPP sector of the loan portfolio and a specific reserve for one classified yet still performing loan in the amount of $1.3 million.
  • Pretax, pre-provision net earnings was $9.9 million for the quarter ended September 30, 2021, compared to $9.5 million and $7.9 million for the quarters ended June 30, 2021 and September 30, 2020, respectively. 
  • Net interest margin was 4.04% for the third quarter of 2021, as compared to 4.08% in the trailing quarter
    and 3.80% in the same quarter of 2020.
  • For the quarters ended September 30, 2021 and June 30, 2021, return on average assets was 1.30% and 1.34%, respectively, and the return on average tangible equity was 14.10% and 14.14%, respectively.
  • Efficiency ratio was 42.63% for the third quarter of 2021, as compared to 43.79% in the trailing quarter
    and 44.61% 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 15.12%.
  • Continued strong credit quality with nonaccrual loans totaling only $384 thousand and a single performing loan contributing to the loan loss provision.
  • Book value per share after cash dividends increased to $47.21 at September 30, 2021 compared to $46.15 at June 30, 2021.

To view the entire third quarter 2021 press release and for more information on Santa Cruz County Bank’s performance, please visit our Investor Relations page.

Graphic: Third Quarter

Bank Announces Quarterly Cash Dividend to Shareholders

On September 21, 2021, the Board of Directors of Santa Cruz County Bank announced the declaration of a quarterly cash dividend rate of $0.125 per share. The dividend is payable on October 12, 2021 to shareholders of record as of the close of business on September 30, 2021.

For 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

Bank Reports Second Quarter 2021 Earnings

We are pleased to announce unaudited earnings for the second quarter ended June 30, 2021. Net income for the quarter was $5.3 million, an increase of $1.5 million, or 40%, over the same period in 2020. Year-to-date earnings for the six-month period ended June 30, 2021 was a record $11.1 million, 36% over prior year.

Financial Highlights

Performance highlights as of and for the quarter ended June 30, 2021 included the following:

  • Assets of $1.63 billion as of June 30, 2021, an increase of $246.3 million or 18%, compared to
    June 30, 2020.
  • Deposits of $1.43 billion, an increase of $285.1 million or 25%, compared to June 30, 2020.
  • Pretax income was $7.5 million for the quarter ended June 30, 2021, compared to $5.3 million and $8.2 million for the quarters ended June 30, 2020 and March 31, 2021, respectively. 
  • Net interest margin was 4.07% for the second quarter of 2021, as compared to 4.10% in the trailing quarter
    and 3.69% in the same quarter of 2020.
  • For the quarters ended June 30, 2021 and March 31, 2021, return on average assets was 1.34% and 1.60%, respectively, and the return on average tangible equity was 14.14% and 16.20%, respectively.
  • Efficiency ratio was 43.79% for the second quarter of 2021, as compared to 45.60% in the trailing quarter
    and 52.18% 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 15.31%.
  • Continued exceptional credit quality with only two loans on nonaccrual totaling $98 thousand.
  • Book value per share after cash dividends increased to $46.15 at June 30, 2021 compared to $44.95 at March 31, 2021.

Santa Cruz County Bank President and CEO, Krista Snelling, commented, “During the second quarter, we surpassed $1.6 billion in assets. The influx of capital from the economic stimulus programs, coupled with California’s reopening, has positively impacted our region, which relies heavily on the visitor and tourist industry. We continue to experience strong (non-PPP) loan demand from businesses finding opportunities to reinvest capital into infrastructure, business expansion and new technology. Our recent expansion into Monterey County has contributed to our loan demand and new business relationships. Our focus in the second half of 2021 remains to assist businesses impacted by the pandemic, thereby aiding in the economic recovery of the communities we serve.”

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

Q2 image

Bank Welcomes Susan Just, Executive Vice President and Chief Credit Officer

The Bank is pleased to announce that Susan Just has joined their Executive team as EVP, Chief Credit Officer.

Ms. Just has an extensive background in commercial lending, structured finance, and credit risk management, including loan review, regulatory compliance, and ALLL. She has held senior credit roles at major banks across the country including JPMorgan Chase, Northern Trust, and Bank of Montreal. Ms. Just’s 30-year career includes credit portfolio management of loan portfolios up to $8.5 billion. 

Early in her career, with JPMorgan Chase and its predecessor organizations, Ms. Just established herself as a proficient underwriter of commercial, corporate, and securitized transactions, taking on roles of increasing responsibility and managing multi-billion-dollar transactions. Following her 17-year tenure at JPMorgan, Ms. Just changed her focus to community banking and broader credit risk management. She served as Senior Credit Officer at First Chicago Bank & Trust, a $1.1 billion community bank, and was responsible for integrating and streamlining the credit functions of its merged predecessor banks. At Northern Trust, Ms. Just managed Loan Review and led the Global Compliance Testing functions. She also served as the lead credit officer responsible for the $8.5 billion retail credit portfolio at TCF Bank. More recently, Ms. Just managed the ALLL function at Bank of Montreal, and during the pandemic worked as a credit portfolio manager for a new financial technology firm.

Ms. Just obtained her MBA from Kellogg Graduate School of Management at Northwestern University with concentrations in Finance and Strategy, and her Bachelor’s degree in Business Administration from Loyola University of Chicago with a concentration in Marketing. 

Commenting on her new appointment, Ms. Just stated, “Santa Cruz County Bank is known in the industry as a well-managed bank with exceptional financial ratings. I’m honored to join the executive team and look forward to contributing to the bank’s growth and continued success. As a former competitive sailor, I am drawn to the Monterey Bay area and am very excited to become part of the local community.”

Krista Snelling, President and CEO commented, “We are excited to welcome Susan as Chief Credit Officer and as a valued member of our Executive team. Susan’s extensive background in credit risk, her well rounded experience in portfolio management and knowledge in regulatory compliance are essential for managing the increasing complexity of a loan portfolio for a growing bank of our size. We look forward to Susan’s contributions to the Bank and the communities we serve.”

Ms. Just is based out of the Bank’s headquarters in Santa Cruz.

Photo of Susan Just

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

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

Super Premier Performance

The Findley Reports, Inc. recently designated Santa Cruz County Bank as a Super Premier Performing Bank for an 11th consecutive year based on 2020 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

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 1970s. 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 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

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

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

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. 

Top 100 Community Banks & Credit Unions image

Coronavirus Update: We're Open for Our Community

March 2020: 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.

We're Open for Our Community image

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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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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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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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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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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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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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