About Santa Cruz County Bank

About Us

If you live in Santa Cruz County, we are your community bank! Santa Cruz County Bank, founded in 2004, is a locally owned and operated community bank. The Bank offers a variety of competitive deposit and lending solutions for businesses and individuals; including business loans, lines of credit, commercial real estate financing, agricultural loans, SBA and USDA government guaranteed loans, credit cards, merchant services, mobile banking, remote deposit capture, and online banking bill payment and cash management. The Bank's SBA Department is a top SBA lender in Santa Cruz County and the Silicon Valley.

Santa Cruz County Bank operates five banking offices located in Aptos, Capitola, Santa Cruz, Scotts Valley and Watsonville. To provide further convenience for our clients, the Bank operates two additional self-serve ATM and Night Depositories in Santa Cruz and Aptos.

Santa Cruz County Bank Mission Statement

We are committed to our community by building lasting relationships and being a trusted partner that together empowers growth and economic vitality.

National, State, and Local Ratings & Awards

Santa Cruz County Bank is a 5-Star
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. 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.

Santa Cruz County Bank Earns Top Performance Rankings in California
Santa Cruz County Bank Earns Top Performance Rankings in California

Santa Cruz County Bank is ranked as the top bank in California by FMC – Financial Management Consulting Group. The Bank also ranks first in asset quality and non-performing assets.

Santa Cruz County Bank Named to 2016 OTCQX Best 50
Santa Cruz County Bank Named to 2016 OTCQX Best 50

Santa Cruz County Bank was named to the 2016 OTCQX® Best 50, a ranking of top performing companies traded on the OTCQX Best Market based on total return and growth in average daily dollar volume in 2015.

Super Premier Performing Bank Designation
Super Premier Performing Bank Designation

In recognition of its exceptional financial performance, Santa Cruz County Bank has been rated a “Super Premier Performing Bank”, the highest rating given, by Findley Reports, Inc., for the past seven years.

Top 200 Best Performing Banks
Top 200 Best Performing Banks

For a fourth year in a row, Santa Cruz County Bank was named in American Bankers Top Performing 200 Community Banks and Thrifts in the United States based upon 3-year average return on equity. The Bank placed 24th out of 669 institutions in the nation.

Santa Cruz County Bank Named Industry Top Performer in National Community Bank Rankings
Santa Cruz County Bank Named Industry Top Performer in National Community Bank Rankings

Independent Community Bankers of America ranked Santa Cruz County Bank in its Top 25 Best Performing Community Banks with the highest return on average assets and highest return on average equity ratios.

Community Awards and Recognition

Santa Cruz County Bank receives United Way Corporate Spirit Award
Santa Cruz County Bank receives United Way Corporate Spirit Award

The United Way of Santa Cruz County honored Santa Cruz County Bank with the Community Builder Corporate Spirit Award. This award recognizes the Bank’s development of successful strategies that encourage employees to give, advocate, volunteer and promote.

Santa Cruz County Bank Voted
Santa Cruz County Bank Voted "Best Bank"!

For a fifth consecutive year, Santa Cruz County Bank received the highest number of votes as “Best Bank” in the annual Best of Santa Cruz County Good Times Readers’ Poll.

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