Listed locations
9
Institution profile
West Coast Community Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- West Coast Community Bank
- Display name
- West Coast Community Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- February 3, 2004
- Established date
- February 3, 2004
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Santa Cruz, CA, 95060, United States
- Website
- https://www.wccb.com
- FDIC certificate number
- 57591
- Federal Reserve RSSD ID
- 3235410
- Domestic location count
- 10
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 57591
- Federal Reserve RSSD ID
- 3235410
- Headquarters
- 75 River Street, Santa Cruz, CA, 95060, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 9 of 9 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| APTOS BRANCH | 7775 Soquel Drive | Aptos | CA | 95003 |
| CAPITOLA BRANCH | 819 Bay Avenue, Suite D | Capitola | CA | 95010 |
| KING CITY BRANCH | 432 Broadway Street | King City | CA | 93930 |
| MONTEREY BONIFACIO PLACE BRANCH | 300 Bonifacio Place | Monterey | CA | 93940 |
| SALINAS BRANCH | 480 South Main Street | Salinas | CA | 93901 |
| SAN JOSE | 10 Almaden Blvd, Suite 150 | San Jose | CA | 95113 |
| SAN LUIS OBISPO BRANCH | 599 Higuera Street | San Luis Obispo | CA | 93401 |
| SCOTTS VALLEY BRANCH | 4604 Scotts Valley Drive | Scotts Valley | CA | 95066 |
| WATSONVILLE BRANCH | 595 Auto Center Drive | Watsonville | CA | 95076 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- March 1, 2026
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| March 1, 2026 | Satisfactory | FDIC | Large Bank Exam |
| March 1, 2023 | Outstanding | FDIC | Intermediate Small Bank |
| February 1, 2020 | Outstanding | FDIC | Intermediate Small Bank |
| April 1, 2017 | Satisfactory | FDIC | Intermediate Small Bank |
| July 1, 2014 | Satisfactory | FDIC | Intermediate Small Bank |
| June 1, 2011 | Satisfactory | FDIC | Small Bank |
| April 1, 2006 | Satisfactory | FDIC | Small Bank |
Institutional history
2 FFIEC NIC history events
Showing 1 through 2 of 2 history events
| Event date | Event type | Related institution |
|---|---|---|
| October 1, 2024 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 19, 2019 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
1 FFIEC NIC relationship record
Showing 1 of 1 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| ROOT_INSTITUTION | WEST COAST COMMUNITY BANK | Non-member Bank | Santa Cruz, CA |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank