West Coast Community Bank
West Coast Community Bank reported total assets of $2.9 bn at Q2 2026, up 11.1% on a year earlier, the 428th largest of 497 banks in our US coverage. The CET1 capital ratio at West Coast Community Bank was 13.15%, and the uninsured share of West Coast Community Bank was 56.26%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, West Coast Community Bank slipped from 81st to 199th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , West Coast Community Bank has taken over 2 institutions; the latest was 1st Capital Bank on (FDIC Call Reports).
- West Coast Community Bank has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 5.20% at , against a median of 3.66% across 339 banks (FDIC Call Reports).
What sets West Coast Community Bank apart
- At 56.26%, the uninsured share of domestic deposits of West Coast Community Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 32.61%.
- Few banks of $1 bn to $10 bn report a higher return on assets (ROA) than West Coast Community Bank, at 2.02% in against a group median of 1.32%.
How large is West Coast Community Bank?
The balance sheet of West Coast Community Bank at : assets $2.9 bn, deposits $2.5 bn, net loans $2.2 bn (loans equal to 88.61% of deposits). Securities make up 13.2% of total assets at West Coast Community Bank. Since , when West Coast Community Bank held $524.7 mn, its assets grew 461.2%. In the year to , deposits at West Coast Community Bank rose 11.6% while its total assets rose 11.1%. At , West Coast Community Bank employed 209 full-time equivalent staff across 10 offices, about $14.1 mn of assets per employee and $252.4 mn of deposits per office.
How much funding at West Coast Community Bank is uninsured?
At West Coast Community Bank, uninsured deposits (above the FDIC limit) made up 56.26% of domestic deposits at (+5.12 pp on a year earlier); West Coast Community Bank ranks 44th of 500 on this measure. In dollars, West Coast Community Bank estimated $1.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.5 bn | +11.6% | 416th of 499 |
| Net loans and leases | $2.2 bn | +7.7% | 403rd of 500 |
| Loan-to-deposit ratio | 88.61% | -3.25 pp | 221st of 500 |
| Tier 1 leverage ratio | 12.05% | +0.10 pp | 95th of 500 |
| Total risk-based capital ratio | 14.40% | -0.04 pp | 220th of 448 |
| Net interest margin | 5.20% | -0.20 pp | 37th of 500 |
| Return on assets (ROA) | 2.02% | +0.13 pp | 45th of 500 |
| Efficiency ratio | 39.38% | -2.18 pp | 57th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $348,000 | Narrowed by $98,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $9.0 mn | Narrowed by $4.8 mn | |
| Noncurrent loans to total loans | 0.50% | +0.30 pp | 199th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.39% | +0.39 pp | 417th of 500 (1 = lowest) |
US rank of West Coast Community Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
West Coast Community Bank: assets, deposits and loans
- Total assets $2.9bn
- Deposits $2.5bn
- Net loans $2.2bn
Capital and securities
The CET1 ratio of West Coast Community Bank stood at 13.15% in , -0.04 pp year on year. Low and high at West Coast Community Bank since : 11.51% () to 15.95% (). Equity capital of West Coast Community Bank at : $396.6 mn, or 13.5% of total assets. West Coast Community Bank also reported a total capital ratio of 14.40% for , and a tier 1 leverage ratio of 12.05%.
On held-to-maturity securities, West Coast Community Bank carried an unrealized loss of $348,000 at , equal to 0.1% of equity capital. The loss narrowed by $98,000 over the year. Its deepest point: $468,000 in . The available-for-sale portfolio of West Coast Community Bank showed an unrealized loss of $9.0 mn at ; the loss narrowed by $4.8 mn over the year.
West Coast Community Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 12%
West Coast Community Bank: unrealized securities gains and losses
- Available for sale -$9mn
- Held to maturity -$348,000
Profitability and loan quality
For the year to , West Coast Community Bank earned a return on equity of 15.04%; return on assets: 2.02%. Net interest margin at West Coast Community Bank: 5.20%, -0.20 pp in a year. West Coast Community Bank net income: $29.4 mn, up 16.4% year on year. The efficiency ratio of West Coast Community Bank was 39.38%: about 39 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.50% of total loans at West Coast Community Bank; net charge-offs: 0.39% of average loans. Gross loans and leases at West Coast Community Bank: $2.3 bn, up 7.7% in a year.
West Coast Community Bank: profitability
- Return on equity 15%
- Net interest margin 5.2%
- Return on assets 2.0%
Peer group of West Coast Community Bank
The peer group of West Coast Community Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of West Coast Community Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, West Coast Community Bank shows CET1 ratio 13.15% against a peer median of 12.62%, return on equity 15.04% against a peer median of 11.62% and uninsured deposit share 56.26% against a peer median of 48.14%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| The Fidelity Deposit and Discount Bank | State nonmember bank | PA | $3.0 bn | 13.16% | 13.23% | 42.59% | |
| TIB | National bank | TX | $3.0 bn | 20.49% | 12.99% | 91.45% | |
| Texas Regional Bank | State member bank | TX | $2.9 bn | 12.06% | 3.26% | 53.69% | |
| West Coast Community Bank | State nonmember bank | CA | $2.9 bn | 13.15% | 15.04% | 56.26% | |
| First Federal Savings and Loan Association of Lakewood | Federal savings bank | OH | $2.9 bn | 11.93% | 7.30% | 19.13% | |
| Minnwest Bank | State nonmember bank | MN | $2.9 bn | 12.08% | 10.26% | 26.40% | |
| Bryant Bank | State nonmember bank | AL | $2.9 bn | 18.98% | 16.94% | 57.57% | |
. FDIC Call Reports.
Last eight quarters
Two years at West Coast Community Bank, to : assets +63.5%, deposits +65.2%, equity +54.8%. Staff 152 to 209; offices 8 to 10.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.8 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.8 bn | $2.9 bn | $2.9 bn | $2.9 bn |
| Total deposits | $1.5 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn |
| Bank equity capital | $256.2 mn | $344.2 mn | $357.7 mn | $368.0 mn | $378.3 mn | $382.6 mn | $394.6 mn | $396.6 mn |
| CET1 ratio | 15.34% | 12.74% | 12.99% | 13.19% | 13.34% | 13.05% | 13.34% | 13.15% |
| Return on equity (ROE) | 14.33% | 11.66% | 13.65% | 14.18% | 13.84% | 14.28% | 16.06% | 15.04% |
| Uninsured share of domestic deposits | 45.23% | 48.00% | 50.75% | 51.14% | 53.81% | 54.89% | 54.48% | 56.26% |
| Full-time equivalent employees | 152 | 220 | 209 | 215 | 219 | 223 | 213 | 209 |
| Number of offices | 8 | 15 | 10 | 10 | 10 | 10 | 10 | 10 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of West Coast Community Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Lighthouse Bank (FDIC certificate 58646).
- . Absorbed 1st Capital Bank (FDIC certificate 58485).
Large one-quarter moves at West Coast Community Bank
- Total assets at West Coast Community Bank changed by +48.2% in the quarter to 2019-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Lighthouse Bank.
- Total assets at West Coast Community Bank changed by +29.5% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
- Total assets at West Coast Community Bank changed by +48.9% in the quarter to 2024-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from 1st Capital Bank.
Questions and identifiers
What were the total assets of West Coast Community Bank?
West Coast Community Bank reported $2.9 bn at in its Call Report. That makes West Coast Community Bank the 428th largest of 497 banks in our US coverage.
Is West Coast Community Bank the same as its holding company?
No. This page covers West Coast Community Bank, FDIC certificate 57591; WEST COAST COMMUNITY BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is West Coast Community Bank profitable?
West Coast Community Bank reported net income of $29.4 mn for the year to ; annualized return on equity: 15.04%. So yes: West Coast Community Bank made a profit over these months.
When is data for West Coast Community Bank next updated?
Figures from West Coast Community Bank for are due after .
Where can I check the figures for West Coast Community Bank?
In the FDIC BankFind Suite record for certificate 57591, and in the Call Reports of West Coast Community Bank (RSSD ID 3235410) at the FFIEC Central Data Repository.