About Santa Cruz County Bank
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
Optimal Bank Ranking
The Bank is an optimal performer in Seifried & Brew’s Top 15th Percentile of banks in the nation. Santa Cruz County Bank is ranked 7th within the Top 10 banks in California.
Top 100 Best Performing Community Banks in the U.S.
For a third consecutive year, Santa Cruz County Bank is one of the Top 100 Best Performing Community Banks in the entire country. Santa Cruz County Bank ranked 35th in S&P Global’s Top 100 Best Performing Banks in the U.S out of approximately 3,000 banks under $3 billion in assets, based upon 2018 financial performance.
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 is ranked in the top 10 banks in California by FMC – Financial Management Consulting Group. The Bank also ranks first in asset quality and non-performing assets.
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 nine years.
Top 200 Best Performing Banks
For a sixth year in a row, Santa Cruz County Bank is one of American Banker Magazine's Top Performing 200 Community Banks and Thrifts in the United States based upon 3-year average return on equity. The Bank placed 12th out of 601 institutions in the nation that qualified for the ranking.
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.
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.
Community Awards and Recognition
Santa Cruz County Bank Voted "Best Bank"!
For a seventh 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.
Holiday Food Drive Awards
Santa Cruz County Bank received the “Big Step” award in 2017 and the “Platinum Award” from Second Harvest Food Bank for its fundraising efforts for the Holiday Food & Fund Drive.
Al Smith Friend of Agriculture Award
The Farm Bureau of Santa Cruz County and Agri-Culture honored Santa Cruz County Bank with the 2018 Al Smith Friend of Agriculture Award. This award is presented annually to an individual, business or organization that is not directly involved in the production of agriculture, yet supports the industry in other ways.
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.