WEST COAST COMMUNITY BANK
BANKSANTA CRUZ, CA · NM
Total Assets
$2.9B
—
Total Loans
$2.2B
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WEST COAST COMMUNITY BANK in CA reported a Texas Ratio of 4.1% in Q1 2026, up +0.7pp from the prior quarter. Nonperforming assets declined to 0.49%, a decrease of -0.16pp.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| Real estate (all) | — | — | — | — |
| Commercial real estate | — | — | — | — |
| Construction & land | — | — | — | — |
| FOUNDATION Multifamily — Unlock to view | ||||
| FOUNDATION Non-residential CRE — Unlock to view | ||||
| FOUNDATION Residential real estate — Unlock to view | ||||
| FOUNDATION Commercial & industrial — Unlock to view | ||||
| FOUNDATION Consumer — Unlock to view | ||||
| FOUNDATION Other loans — Unlock to view | ||||
| FOUNDATION 1-4 family — 1st lien — Unlock to view | ||||
| FOUNDATION 1-4 family — junior lien — Unlock to view | ||||
| FOUNDATION 1-4 family — HELOC — Unlock to view | ||||
| FOUNDATION Multifamily — Unlock to view | ||||
| FOUNDATION CRE — owner-occupied — Unlock to view | ||||
| FOUNDATION CRE — non-owner-occupied — Unlock to view | ||||
| FOUNDATION Construction — 1-4 family — Unlock to view | ||||
| FOUNDATION Construction — other — Unlock to view | ||||
| FOUNDATION Commercial & industrial — Unlock to view | ||||
| FOUNDATION Consumer — Unlock to view | ||||
FOUNDATION
20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
WEST COAST COMMUNITY BANK currently appears on: Charge-Off Velocity by Category
Recent acquisitions
Institutions WEST COAST COMMUNITY BANK absorbed since 2024 and the inherited portfolio's last-reported call-report figures. Why inherited portfolios matter
- 1st Capital Bank
- Inherited NPL volume
- $399K
- Inherited NPL %
- 0.06%
- Total loans inherited
- $639M
- Total assets inherited
- $984M
- YTD charge-offs (at close)
- $3M
- Last filing
- Sep 30, 2024