What's New

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What's New

A Decade of Super Premier Performance!

The Findley Reports, Inc. recently designated Santa Cruz County Bank as a Super Premier Performing Bank for a 10th consecutive year based on 2019 financial performance. For a bank to achieve the Super Premier performance rating it must meet four key performance ratios established by Findley Reports, Inc.. Super Premier is the highest rating level established by Findley Reports, Inc. Santa Cruz County Bank met the four criteria at a high level of performance: growth, return on beginning equity, net operating income as a percentage of average assets and loan losses as a percentage of gross loans. The Findley Reports, Inc. has been recognizing the financial performance of banking institutions in California and the Western United States for over fifty years.  

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

Super Premier Performing Bank

New Santa Cruz County Ordinance - Masks Required

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

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Record Earnings for the First Quarter Ended March 31, 2020

The Bank announced record unaudited net income for the first quarter ended March 31, 2020 of $4.4 million. This represents an increase of 48% compared to the first quarter 2019. For the quarter, basic earnings per share decreased $0.07, or 6% to $1.14, compared to the first quarter in 2019. The decline is reflective of the increased number of shares outstanding as the result of the Bank’s merger with Lighthouse Bank in the fourth quarter of 2019.  

Pretax income for the quarter ended March 31, 2020 was $6.2 million, an increase of $2.0 million, 48%, compared to $4.2 million for the quarter ended March 31, 2019.

First Quarter Financial Highlights:

  • Net interest margin of 4.51%
  • First quarter return on average assets and equity of 1.67% and 11.42%, respectively
  • Well capitalized with a total risk based capital ratio of 16.65%
  • Continued exceptional credit quality with no loans on non-accrual
  • 55% growth in deposits, $317.4 million increase over the first quarter of 2019
  • Basic earnings per share decreased to $1.14 from $1.21 compared to the first quarter of 2019 and increased by $0.29 per share over the fourth quarter 2019, when the merger closed
  • Book value per share after dividends increased by $11.08 or 38%, to $40.22 since the first quarter of 2019

President and CEO David V. Heald commented, “On behalf of the Board of Directors and Management team, I commend our entire staff for our first quarter performance and care for our customers and community. As an essential business, our team has gone above and beyond in delivering critical services to our community at the greatest time of need in the history of our Bank and undoubtedly, our careers.

The quarter ended with two significant occurrences, our systems integration with Lighthouse Bank and concurrently being hit with the COVID 19 pandemic, which has dramatically altered the way we do business. To respond to the significant impact of this crisis on our community, we developed a Paycheck Protection Program loan application portal on our website, far ahead of the curve.  Our dedicated team has worked long hours, nights and weekends to ensure Paycheck Protection Program funding supports small businesses and helps them keep employees on the payroll.  Through these efforts, a total of approximately 29,218 jobs were saved, which speaks volumes about dedication and commitment to serving our community, whether in good times or during a crisis.”  

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

 

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

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

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

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

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Banking In Place

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

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

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

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

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

Aptos and Scotts Valley Branches Temporarily Close

Coronavirus Update: We're Open for Our Community

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

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

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

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

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

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Santa Cruz County Bank Announces Dividend

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

Santa Cruz County Bank Announces Dividend

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

To our Community,

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

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

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

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

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

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

David Heald, President and CEO

photo of David Heald

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

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

 

 

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

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

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

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

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

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

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

Photo of Stephen Meade

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

Santa Cruz County Bank is rated a 5-Star “Superior” bank by Bauer Financial, Inc. based upon its financial performance for the quarter ending December 31, 2019. 5-Star is the highest rating determined by Bauer Financial. Bauer Financial has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. For more information on Bauer Financial, Inc. visit www.bauerfinancial.com.  Santa Cruz County Bank has ranked as a 4-Star “Excellent” and 5-Star “Superior” bank every quarter in the history of our ratings from Bauer Financial.

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

Thank you Sentinel Readers!

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

 

 

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16th Anniversary of Santa Cruz County Bank

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

cup cake with candle

Bank Hires Richard Aiello, SVP, Regional Manager

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

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

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

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

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

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

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

Bank Hires Richard Aiello, SVP, Regional Manager

Bank Announces Completion of Merger; Board Expansion

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

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

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

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

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

Photo of four new board members

Top 200 Best Performing Banks

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

Top 200 Best Performing Banks

Optimal Bank Ranking by Seifried & Brew

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

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

Optimal Bank Ranking by Seifried & Brew

Santa Cruz County Bank Voted “Favorite Bank”!

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

2019 Swellies Award Winner

© 2020 Santa Cruz County Bank. All rights reserved.

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