What's New

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What's New

Bank Welcomes Cecilia Situ

We are pleased to welcome Cecilia Situ as Executive Vice President and Chief Financial Officer.

Ms. Situ brings more than 20 years of well-rounded financial management experience, including financial accounting and SEC reporting, interest rate risk and investment portfolio management, business combination, financial planning, Sarbanes-Oxley internal control and procedures, and team development. Most recently, she was Senior Vice President and Treasurer at Bank of Marin, a publicly traded bank with $4.3 billion in assets, where she was influential in strategizing and managing more than $1.8 billion of investment portfolio, funding and liquidity management, with an appreciation of the capital markets and economic outlook. During her 14-year tenure at Bank of Marin, she played a critical role in their four successful bank acquisitions, with strong project management skills and experience in due diligence and cross-functional collaboration.  She was also previously Controller and Principal Accounting Officer at Bank of Marin and had been instrumental in directing and overseeing essential financial accounting activities, including financial book closing, SEC reporting, budgeting, tax planning and regulatory compliance. She started her career in public accounting at Deloitte & Touche with a specialty in auditing community banks, real estate firms, not-for-profit organizations and other financial service companies. During her career, Ms. Situ has obtained well-regarded professional designations such as Chartered Financial Analyst (CFA) and California Certified Public Accountant (CPA).

Krista Snelling, President and CEO, commented, “We are excited to welcome Cecilia as Chief Financial Officer and look forward to her contributions as a valued member of our executive team. Cecilia’s proven financial acumen, demonstrated leadership, and level of experience in financial accounting for a NASDAQ-listed, over $4 billion in asset sized financial institution are an excellent fit for the growth and future of Santa Cruz County Bank.”    

Read more: PR Newswire

Image: Cecilia Situ

Bank Reports Record Third Quarter Earnings

Santa Cruz County Bank announced unaudited earnings for the third quarter ended September 30, 2022. Net income for the quarter was $9.2 million, 44% over prior quarter, and 67% or $3.7 million more than the same quarter in 2021. Year-to-date earnings for the nine-month period ended September 30, 2022 were a record $20.9 million, $4.3 million or 26% over 2021. All share data for prior periods have been adjusted to reflect stock dividends and stock splits.

Santa Cruz County Bank President and CEO, Krista Snelling commented, “We had an excellent quarter, in which we set new records for the Bank’s assets, gross loans (excluding PPP), deposits and quarterly net income. In addition to these milestones, we are pleased to report return on average assets over 2% and a record efficiency ratio under 37%. These results reflect the impact of the higher rate environment on earning assets and our focus on the implementation of cost-saving, digital transformation solutions designed to minimize resources while enhancing the client experience. 

For the quarter, gross loans (excluding PPP) were up by $40.5 million. New loan originations surpassed $101.4 million and were offset by over $62.1 million in non-PPP payoffs, primarily in construction loans, as expected, due to the easing of supply chain constraints which has allowed for the completion of backlogged projects.

We are pleased to report new production by the Bank’s new Asset-Based Lending Division within our record quarterly non-PPP gross loan totals for the first time. We enter the fourth quarter looking forward to celebrating the opening of our new Salinas branch and welcoming the community to our 8th full-service banking office.”

Financial Highlights

Performance highlights as of and for the quarter ended September 30, 2022 included the following:

  • Record assets of $1.86 billion as of September 30, 2022, an increase of $101.1 million or 6%, compared to June 30, 2022, and an increase of $162.4 million or 10%, compared to September 30, 2021.
  • Record gross loans (excluding PPP) of $1.23 billion, an increase of $40.5 million or 3%, compared to June 30, 2022, and an increase of $183.4 million or 17%, compared to September 30, 2021.
  • Record deposits of $1.66 billion, an increase of $101.0 million or 6%, compared to June 30, 2022, and an increase of $157.5 million or 11%, compared to September 30, 2021.
  • Record quarterly net income of $9.2 million, an increase of $2.8 million or 44%, compared to June 30, 2022, and an increase of $3.7 million or 67% compared to the quarter ended September 30, 2021.
  • Basic earnings per share of $1.08 for the quarter ended September 30, 2022.
  • Provision for loan losses was a reversal of $317 thousand for the third quarter of 2022 compared to contributions of $622 thousand for the trailing quarter and $2.1 million for the same period in 2021. Based on quantitative factors alone the provision would have increased for the quarter; however, this was offset by a decrease in construction loans and elimination of a qualitative factor related to the pandemic.
  • Pretax, pre-provision net earnings were $12.7 million for the quarter ended September 30, 2022, compared to $9.7 million and $9.9 million for the quarters ended June 30, 2022 and September 30, 2021, respectively.
  • Net interest margin was 4.22% for the third quarter of 2022, as compared to 3.90% in the trailing quarter and 4.04% in the same quarter of 2021.
  • For the quarters ended September 30, 2022 and June 30, 2022, return on average assets was 2.01% and 1.49%, respectively, and the return on average tangible equity was 22.38% and 16.23%, respectively.
  • Efficiency ratio was 36.17% for the third quarter of 2022, as compared to 44.48% in the trailing quarter and 42.63% in the same quarter of 2021.
  • All capital ratios were above regulatory requirements for a well-capitalized institution with a total risk-based capital ratio of 14.46%, as compared to 14.48% in the trailing quarter and 15.12% in the same quarter of 2021.
  • Nonaccrual loans totaled $2.4 million, or 0.19% of total loans as compared to $35 thousand in the trailing quarter, and $384 thousand in the same quarter of 2021.
  • Book value per share after cash dividends increased to $22.06 at September 30, 2022 compared to $21.73 at June 30, 2022.

To view the entire press release and for more information on Santa Cruz County Bank's performance, please visit our Investor Relations page.

Graphic: Third Quarter Q3 image

Bank Announces Future Retirement of Vic Davis

Today the bank announced the future retirement of Executive Vice President and Chief Financial Officer, Vic Davis. Mr. Davis will continue to serve in his current role with the bank to support a successful transition to his successor.

Mr. Davis’ 43+ year career in community banking began at County Bank and Trust in Santa Cruz, where he served as Branch Operations Supervisor and Budget Manager. For ten years he was Chief Financial Officer of San Benito Bank in Hollister California. In his career, he also served as a senior level Auditor and Consultant for Bank Vision, Inc. He is a graduate of Pacific Coast Banking School in Washington and is an accredited ACH Professional and has held certifications as a professional in human resources and as a community bank internal auditor.

In his 14-year career at Santa Cruz County Bank, Mr. Davis has managed the bank’s assets and liabilities, securities portfolio and Finance Department, all of which have grown in size 10-fold during his leadership. In addition, Mr. Davis led the department during the recession, through systems conversions and the merger with Lighthouse Bank and multiple, complex stock-related transactions.   

Krista Snelling, President and CEO commented, “Vic has been a valued member of the bank and our executive team for over 14 years. Under his leadership, the bank has grown significantly and our accounting has also grown in complexity, which necessitates ongoing education, regulatory monitoring and evolving financial acumen. Vic’s vast experience and auditing background have been instrumental to his role. He will be greatly missed by our entire team.”    

Image: Vic Davis

Bank Announces Increase in Quarterly Cash Dividend

On September 20, 2022, the Bank's Board of Directors declared an increased quarterly cash dividend of $0.125 per share. The dividend is payable on October 11, 2022 to shareholders of record as of the close of business on October 4, 2022.

Chairman William J. Hansen stated, “We are pleased to continue to reward our shareholders for their investment in our stock. In 2022, the Board of Directors of Santa Cruz County Bank have declared a 2-for-1 stock split, two increased quarterly cash dividends, and a $5 million share repurchase program.”

For the quarter ended June 30, 2022, Santa Cruz County Bank reported $6.37 million in net income, a 20% increase over the same period in 2021. Return on average equity was 13.77% for the quarter ended June 30, 2022. The book value per share of Santa Cruz County Bank's common stock at June 30, 2022 was $21.73, an increase of $0.75 from the same period in 2021. Shareholders' equity grew to $186 million, an $6.94 million increase compared to the same period in 2021.

Image of Bank logo and Investor News

An Important Cybersecurity Reminder To Guard For Fraud

This informational video from Zelle® is a good reminder to heighten your awareness of cybersecurity. As the holiday season approaches, now is the time for individuals and businesses to learn to recognize red flags and be safe! Santa Cruz County Bank will never text or email you to ask for personal information, and we will never call you to request that you send money to yourself. As always, if something seems suspicious, give us a call!

 

Zelle logo in purple square

Bank Announces $5 Million Share Repurchase Program

We are pleased to announce the launch of a $5 million Share Repurchase Program. The Bank’s Board of Directors authorized the Share Repurchase Program and received the required approvals from the California Department of Financial Protection and Innovation as well as the Federal Deposit Insurance Corporation.

This is the first share buyback program in the history of the Bank. In March 2022, the Bank completed a previously announced 2-for-1 stock split.

 “Since our founding, we have continuously aligned the Bank’s strategic initiatives with increasing shareholder value,” stated Chairman William J. Hansen. “The Board’s authorization of this Program is based upon the strength of our balance sheet, our financial performance and continued growth. This Program further demonstrates our commitment to enhancing the value for all stockholders investing in Santa Cruz County Bank.”

The Board’s authorization for the Program permits the repurchase of up to $5 million of Santa Cruz County Bank common shares in open market and privately-negotiated transactions. Additionally, the Bank entered into contract with Janney Montgomery Scott LLC, a nationally recognized broker dealer, to facilitate repurchases. The Bank intends that all share repurchases will be made in compliance with the Securities Exchange Act of 1934 under rules 10b-18 and 10b5-1. The Stock Repurchase Program, which will expire on May 20, 2023, may be suspended, terminated, or modified at any time without notice. Shares purchased under the program will reduce the number of shares outstanding and will be returned to authorized but unissued status.

The timing and amount of common stock repurchases made pursuant to the Santa Cruz County Bank Share Repurchase Program are subject to various factors, including the Bank’s capital position, liquidity, financial performance, alternative uses of capital, stock trading price, regulatory requirements and general market conditions. The repurchase program does not obligate the Bank to acquire any particular number of shares, and the repurchase program may be suspended or discontinued at any time at the Bank’s discretion.

Graphic: Santa Cruz County Bank Icon, with Investor News below

Bank Announces Earnings for Quarter Ended June 30, 2022

 The Bank announced unaudited earnings for the second quarter ended June 30, 2022. Net income for the quarter was $6.37 million, 18% over prior quarter, and 20% or $1.08 million more than the same quarter in 2021. All share data for prior periods has been adjusted to reflect stock dividends and stock splits.

Santa Cruz County Bank President and CEO Krista Snelling commented, “We are pleased to deliver new historic milestones for the Bank’s assets, gross loans (excluding PPP), deposits and quarterly net income. Our results reflect our focus on continued investment in our people, digital transformation, and generation of new business, while expanding existing relationships through exceptional service delivery. In May, we launched a new Asset-Based Lending Division. This new division diversifies our lending facilities and opens new opportunities to become a trusted partner to innovation and technology businesses throughout California. Our plan to open our eighth full-service branch in the fourth quarter of 2022 is on target. This new branch in Salinas expands our service reach within Monterey County.”

Financial Highlights

Performance highlights as of and for the quarter ended June 30, 2022 included the following:

  • Record assets of $1.76 billion as of June 30, 2022, an increase of $38 million or 2%, compared to March 31, 2022, and an increase of $130 million or 8%, compared to June 30, 2021.
  • Record gross loans (excluding PPP) of $1.19 billion, an increase of $53 million or 5%, compared to March 31, 2022, and an increase of $192 million or 19%, compared to June 30, 2021.
  • Record deposits of $1.56 billion, an increase of $32 million or 2%, compared to March 31, 2022, and an increase of $123 million or 9%, compared to June 30, 2021.
  • Record quarterly net income of $6.37 million, an increase of $984 thousand or 18%, compared to March 31, 2022, and an increase of $1.08 million or 20% compared to the quarter ended June 30, 2021.
  • Basic earnings per share of $0.75 for the quarter ended June 30, 2022.
  • Provision for loan losses was $622 thousand for the second quarter of 2022 compared to $645 thousand for the trailing quarter and $2.05 million for the same period in 2021.
  • Pretax, pre-provision net earnings were $9.65 million for the quarter ended June 30, 2022, compared to $8.26 million and $9.53 million for the quarters ended March 31, 2022 and June 30, 2021, respectively.
  • Net interest margin was 3.90% for the second quarter of 2022, as compared to 3.76% in the trailing quarter and 4.07% in the same quarter of 2021.
  • For the quarters ended June 30, 2022 and March 31, 2022, return on average assets was 1.49% and 1.28%, respectively, and the return on average tangible equity was 16.23% and 13.69%, respectively.
  • Efficiency ratio was 44.48% for the second quarter of 2022, as compared to 47.98% in the trailing quarter and 43.79% in the same quarter of 2021.
  • All capital ratios were above regulatory requirements for a well-capitalized institution with a total risk-based capital ratio of 14.48%, as compared to 14.83% in the trailing quarter and 14.06% in the same quarter of 2021.
  • Continued strong credit quality with nonaccrual loans totaling $35 thousand, as compared to $59 thousand in the trailing quarter and $98 thousand in the same quarter of 2021.
  • Book value per share after cash dividends increased to $21.73 at June 30, 2022 compared to $21.42 at March 31, 2022.

To view the entire second quarter ended June 30, 2022 press release and for more information on Santa Cruz County Bank’s performance, please visit our Investor Relations page.

Graphic: 2nd Quarter, Q2 in upper right quadrant of square

Santa Cruz County Bank Declares Increase in Quarterly Cash Dividend Payment to Shareholders

The Bank's Board of Directors declared a quarterly cash dividend of $0.11 per share. The dividend is payable on July 11, 2022 to shareholders of record as of the close of business on July 7, 2022. 

Chairman William J. Hansen stated, "The Board of Directors of Santa Cruz County Bank are pleased to announce an increase to the quarterly cash dividend paid to our shareholders. The new increased dividend will be $0.11 per share and will be payable on July 11, 2022. We are pleased to reward our investors with a 22% dividend increase.”

For the quarter ended March 31, 2022, Santa Cruz County Bank reported $5.4 million in net income, a 15% increase over the prior quarter. 

Return on tangible equity was 13.69% for the quarter ended March 31, 2022. The book value per share of Santa Cruz County Bank's common stock at March 31, 2022 was $21.42 an increase of $0.99 from the same period in 2021. Shareholders' equity grew to $182.9 million, a $9.4 million increase compared to the same period in 2021.

For more information about Santa Cruz County Bank stock and financial performance, please visit our Investor Relations page.

Graphic: Graph with upward arrow

Santa Cruz County Bank is a Top 200 Performing Bank

Santa Cruz County Bank is ranked 83rd in the Top Performing 200 Community Banks and Thrifts in the United States and ranked 13th out of a total of 22 California banks. Performance data and rankings released in American Banker Magazine’s May 2022 publication included a total of 200 publicly traded institutions with less than $2 billion in assets. Ranking is based upon 3-year average return on equity for the years ending December 31, 2019, 2020 and 2021.  

The median 3-year return on average equity for the Top 200 banks was 13.40% compared to a median of 10.64% for all 438 U.S. banks and thrifts in the peer group. Santa Cruz County Bank’s 3-year average return on equity was 12.55%.

Krista Snelling, President and CEO commented, “We are honored to be ranked among the Top 200 banks in the nation for an eighth year based upon our financial performance. Our position in the top performance ratings year after year, in both California and the nation, is the result of strategic focus and discipline by our entire team. We continue to expand and excel within our industry while maintaining exceptional credit quality and high performance.”

Graphic: Top 200 American Banker Award

Santa Cruz County Bank is Rated 5-Star Superior by Bauer Financial, Inc.

Santa Cruz County Bank is rated as a 5-Star “Superior” bank by Bauer Financial, Inc. based upon its financial performance for the quarter ending March 31, 2022. 5-Star is the highest rating determined by Bauer Financial, which has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. For more information on Bauer Financial, Inc. visit www.bauerfinancial.com. Santa Cruz County Bank has been rated as a 4-Star “Excellent” and 5-Star “Superior” bank every quarter in the history of our ratings from Bauer Financial.

Image: 5-Star “Superior” Rated Bank by Bauer Financial Inc.

Super Premier Performance

The Findley Reports, Inc. recently designated Santa Cruz County Bank as a Super Premier Performing Bank for a 12th consecutive year based on 2021 financial performance. For a bank to achieve the Super Premier performance rating it must meet four key performance ratios established by Findley Reports, Inc.. Super Premier is the highest rating level established by Findley Reports, Inc. Santa Cruz County Bank met the four criteria at a high level of performance: growth, return on beginning equity, net operating income as a percentage of average assets and loan losses as a percentage of gross loans. The Findley Reports, Inc. has been recognizing the financial performance of banking institutions in California and the Western United States for over fifty years.  

Gary Steven Findley, Editor of The Findley Reports remarked, “One of the true joys in writing the Newsletter and reviewing the performance of all banks in the western United States is recognizing exceptional performance. Santa Cruz County Bank has again been recognized as a Super Premier Performing Bank and remains one of the top performing banks year in and year out.”

Super Premier Performing Bank

Bank Welcomes Shelly Medina, VP Operations Manager Asset-Based Lending

We are pleased to welcome Shelly Medina as Senior Vice President and Asset-Based Lending Operations Manager. She leads the Bank’s newly formed Asset-Based Lending Division, to serve clients in Silicon Valley, the Greater Bay Area and throughout California.

Ms. Medina has a 34-year history in banking with extensive experience in asset-based lending, factoring, and loan operations with major regional and national financial institutions. She is well-respected as a team leader and specialist in the area of loan documentation and commercial loan operations. Ms. Medina served as Team Leader for Specialty Finance Loan Documentation and Operations Specialist at Silicon Valley Bank. She served as founding Operations Manager of the Bridge Capital Finance Group at Bridge Bank and more recently held the title of Divisional Loan Production Manager and Senior Vice President for Western Alliance Bank, where she implemented factoring and ABL platforms, wrote loan operations policies, and managed a loan documentation and operations unit as well as a factoring operations unit.  

Commenting on her new appointment, Ms. Medina stated, “I am honored to join Santa Cruz County Bank and to again work with Lee Shodiss in leading an Asset-Based Lending Division for a highly regarded financial institution.”

Krista Snelling, President and CEO commented, “We are so happy to welcome Shelly to our newly-formed Asset-Based Lending Division team. The expertise she brings to her role, and her familiarity with the Silicon Valley region, will benefit the ABL Division, the clients they serve, and the Bank as a whole.”

Image: Shelly Medina

Bank Welcomes Lee Shodiss, SVP Director of Asset-Based Lending

We are pleased to welcome Lee Shodiss as Senior Vice President and Director of Asset-Based Lending. He leads the Bank’s newly formed Asset-Based Lending Division from the Bank’s Cupertino office at 19240 Stevens Creek Boulevard, to serve clients in Silicon Valley, the Greater Bay Area and throughout California.

Mr. Shodiss’ 30-year career in the financial services industry includes expertise in technology focused asset-based factoring, structured finance and commercial banking, and in the Asset-Based and Innovation markets serving Silicon Valley and technology centers throughout the country.

Early in his career, Mr. Shodiss served as Budget Analyst, Cost Controller at Lockheed Missiles & Space, Inc., where he monitored and administered contract costs associated with defense contracts. He served as Assistant Vice President, Senior Vice President, and Co-Group Manager for the Specialty Finance Division at Silicon Valley Bank. Mr. Shodiss founded and managed the Technology and Bridge Capital Finance Divisions at Bridge Bank. He held the position of Founder, Executive Vice President, Regional Director/Product Line Director and was responsible for all aspects of operations of the Divisions including sales, personnel, budgeting and credit. Since 2020, Mr. Shodiss has worked as an asset-based, factoring and structured finance executive and independent consultant in the Bay Area and most recently founded the Asset-Based and Innovation divisions of a national bank with headquarters in the Silicon Valley.

Commenting on his new appointment, Mr. Shodiss stated, “I am honored to join Santa Cruz County Bank to establish and lead our Asset-Based Lending Division. The addition of Asset-Based Lending will expand the Bank’s reach in the Greater Bay Area and throughout California.”

Krista Snelling, President and CEO commented, “We are excited to welcome Lee as Director of the Bank’s new Asset-Based Lending Division. Lee is well known in the Greater Bay Area for his extensive experience helping businesses. He is well-versed in all facets of asset-based lending and is the perfect fit for the Bank’s expanded lending division.  We see great opportunities through the broadening of our lending product offerings.”

Image: Lee Shodiss

Bank Launches Asset-Based Lending Division

We are pleased to announce the launch of our Asset-Based Lending Division led by Lee Shodiss and Shelly Medina. The Bank’s new Asset-Based Lending Division specializes in serving business clients and emerging growth companies requiring asset liquidity and flexible lines of credit in addition to full banking services. The addition of an Asset-Based Lending Division showcases the Bank’s commitment to supporting small business. The Division is based at the Bank’s Cupertino office at 19240 Stevens Creek Boulevard, to serve clients in Silicon Valley, the Greater Bay Area and throughout California.

The Bank’s Asset-Based Lending Division is directed by Lee Shodiss, an industry veteran with 30 years of experience in asset-based and innovation markets serving Silicon Valley and technology centers throughout the country. Shelly Medina leads the Asset-Based Lending Division as Operations Manager.

Krista Snelling, President and CEO commented, “We experienced firsthand the pandemic’s profound impact on working capital needs of many businesses. Our new Asset-Based Lending Division complements the Bank’s significant growth and ability to provide capital to businesses through specialty financing solutions. We see great opportunity, particularly in serving the high concentration of businesses centered in technology and innovation in Silicon Valley. The hiring of Lee and Shelly, both well-known experts in ABL, expands our team at the Bank’s Cupertino branch and positions us advantageously to serve the market, grow our portfolio, and support our existing client relationships.”

Learn more about Asset-Based Lending

Image: Asset-Based Lending, New, Lee Shodiss and Shelly Medina

Bank Welcomes Erin McCabe-Kalb, Deposit Relationship Manager Silicon Valley Region

We are pleased to welcome Erin McCabe-Kalb as Vice President and Deposit Relationship Manager for the Bank’s Silicon Valley region. She is based out of the Bank's Cupertino branch.

Ms. McCabe-Kalb has a 17-year history in the banking industry with extensive experience in portfolio management, business development and treasury management. She established herself serving as AVP Marketing and Sales and as AVP Business Financial Advisor with a regional financial institution, and then as AVP Business Development/Acquisitions and as VP Global Deposit/Treasury Management in their Northern California market. She also served as VP Commercial Treasury Management at a major national bank. Most recently Ms. McCabe-Kalb served as VP Commercial Treasury Management at a Northern California financial institution.

Jon Sisk, EVP Regional President and Chief Banking Officer, remarked, “We are excited to welcome Erin to our Silicon Valley team. Her background and expertise in portfolio management and her commitment to personal relationships with banking partners will be an asset to the Bank and a great benefit to our clients. We’re looking forward to her contributions.”

Image: Erin McCabe-Kalb

Bank Welcomes Randy Lagomarsino, Relationship Manager Silicon Valley Region

We are pleased to welcome Randy Lagomarsino as Vice President and Relationship Manager for the Bank’s Silicon Valley region. He is based out of the Bank’s Cupertino office where he will be responsible for new business acquisition, lending, and business development.

Mr. Lagomarsino has a 17-year history in the banking industry with extensive experience in sales and lending, serving as Commercial Loan Officer, VP Business Development Officer, and VP Business Development /Relationship Manager at major financial institutions in the region. Most recently Mr. Lagomarsino served as Vice President, Senior Relationship Manager at the San Jose location of a major California bank, and managed a portfolio of commercial middle market relationships.

Jon Sisk, EVP Regional President and Chief Banking Officer, remarked, “We are excited to welcome Randy to our Silicon Valley team. His commitment to building personal relationships aligns with the Bank’s mission, and his knowledge of the local business community is a valuable asset to the Bank and to our clients. We’re looking forward to his contributions.”

Read more: PR Newswire 

Image: Randy Lagomarsino

Bank Welcomes Maxwell Sinclair, EVP Chief Risk Officer

We are pleased to welcome Maxwell Sinclair to the role of Executive Vice President and Chief Risk Officer.

Mr. Sinclair has a 28-year history in the banking industry with extensive executive-level experience in risk management, compliance, AML/BSA and human resource management. Most recently, Mr. Sinclair served as EVP Chief Risk, Compliance & Human Resources Officer at Pacific Mercantile Bancorp/Pacific Mercantile Bank, where he managed all aspects of risk, compliance, and regulatory matters, human resources, as well as regulatory relationships and corporate governance. He is also a founder of an Arizona-based de novo where he served in the capacity of Chief Risk Officer with responsibilities for governance, audit, compliance and human resource management. His experience includes serving as VP Compliance & BSA Manager at Zions Bancorp (California Bank & Trust). He also served as VP Compliance & BSA Officer and CRA & Security Manager at several Southern California-based financial institutions.

Krista Snelling, President and CEO commented, “Maxwell served as an advisor in the areas of compliance and risk management. He stepped in at a crucial moment, before an FDIC Examination, which he handled smoothly and professionally, and delivered best outcomes. The vast experience and professionalism he brings to the Bank are already playing a key role in our success and growth. We’re thrilled to have him on the Executive Team.”

Read more: PR Newswire

Image: Maxwell Sinclair

Krista Snelling to Deliver Keynote at Small Business Summit

We are pleased to share that Krista Snelling, President and CEO, is the keynote speaker at the 2022 Small Business Summit, April 29, 2022, a daylong conference of discussions and interactive sessions. Angelo DeBernardo, SCCB’s EVP Chief Lending Officer, joins Krista at the Summit as a panelist. By sharing insight and expertise, our Bank leadership continues to help small business owners navigate and grow their business.

Santa Cruz County Bank is a proud sponsor of the 2022 Business Summit, presented by the Small Business Development Center of Santa Cruz County, and proud to be a reliable resource and partner for small businesses and business owners growing in new directions. Join us in celebrating National Small Business Week! 

 

Image: Krista Snelling and Angelo DeBernardo

Ten Years as Best Bank - 2022 Good Times Best of Santa Cruz County

Santa Cruz County Bank has been voted Best Bank in the annual Good Times Best of Santa Cruz County Readers' Poll. Good Times readers honored us for the 10th consecutive year - we are so incredibly grateful to be selected as their bank of choice! We give full credit to our amazing employees who are committed to supporting our community. They are the reason we are #1 year after year. Thank you Good Times for once again including us in the list of outstanding local businesses. 

Graphic: Good Times Best of Logo 2022

Bank Announces Earnings for Quarter Ended March 31, 2022

The Bank announced unaudited earnings for the first quarter ended March 31, 2022. Net income for the quarter was $5.4 million, 15% over prior quarter, and 7% or $400 thousand less than the same quarter in 2021 which benefited from significantly more fee income from the Paycheck Protection Program (“PPP”). The Bank announced a 2-for-1 stock split on February 16, 2022, and paid on March 16, 2022 to shareholders of record as of March 3, 2022. All share data for prior periods has been adjusted to reflect stock dividends and stock splits.

Santa Cruz County Bank President and CEO Krista Snelling commented, “We are pleased to achieve record assets, deposits and loans (excluding PPP) in our first quarter of 2022. Year over year, the Bank recorded significant loan growth, excluding PPP, of over $220 million. Our steady performance has resulted in the Bank’s continuity as a financial industry leader and top performer. On a local level, our entire team is to be commended for the Bank’s recent recognition from the Santa Cruz County Chamber of Commerce as a Business of the Year, and for being voted for a 10th consecutive year, “Best Bank” in Santa Cruz County. These accolades are the result of the tremendous expertise and service delivered to our clients and community by our dedicated employees.” 

Financial Highlights

Performance highlights as of and for the quarter ended March 31, 2022 included the following:

  • Record assets of $1.72 billion as of March 31, 2022, an increase of $173.2 million or 11%, compared to March 31, 2021.
  • Record gross loans (excluding PPP) of $1.14 billion, an increase of $220.2 million or 24%, compared to March 31, 2021.
  • Record deposits of $1.52 billion, an increase of $167.6 million or 12%, compared to March 31, 2021.
  • Basic earnings per share of $0.63 for the quarter ended March 31, 2022.
  • Provision for loan losses was $645 thousand for the first quarter of 2022 compared to $2.3 million for the trailing quarter and $375 thousand for the same period in 2021. The increase in fourth quarter 2021 was driven primarily by growth in the non-PPP sector of the loan portfolio. Non-PPP loan growth was $29 million for the first quarter of 2022 compared to $1.7 million for the first quarter of 2021, driving the quarter over quarter increase in provision.
  • Pretax, pre-provision net earnings were $8.3 million for the quarter ended March 31, 2022, compared to $9.0 million and $8.5 million for the quarters ended December 31, 2021 and March 31, 2021, respectively.
  • Net interest margin was 3.76% for the first quarter of 2022, as compared to 3.78% in the trailing quarter and 4.10% in the same quarter of 2021.
  • For the quarters ended March 31, 2022 and December 31, 2021, return on average assets was 1.28% and 1.09%, respectively, and the return on average tangible equity was 13.69% and 11.77%, respectively.
  • Efficiency ratio was 47.98% for the first quarter of 2022, as compared to 45.41% in the trailing quarter and 45.60% in the same quarter of 2021.
  • All capital ratios were above regulatory requirements for a well-capitalized institution with a total risk-based capital ratio of 14.83%.
  • Continued strong credit quality with nonaccrual loans totaling only $59 thousand.
  • Book value per share after cash and stock dividends decreased to $21.42 at March 31, 2022 compared to $21.80 at December 31, 2021.

To view the entire first quarter ended March 31, 2022 press release and for more information on Santa Cruz County Bank’s performance, please visit our Investor Relations page.

Graphic: 1st Quarter, Q1 in upper left quadrant of square

Bank Welcomes Jay Gines, Relationship Manager

We are pleased to welcome Jay Gines as Vice President, Relationship Manager. Mr. Gines is responsible for customer acquisition, lending and business development in the Salinas and Greater Monterey area. Mr. Gines will maintain an office at 584 Munras Avenue, Monterey, then will be based at the Bank’s new Salinas branch, which is slated to open in late 2022.

Mr. Gines has a 19-year banking background with extensive experience in credit analysis and relationship management. He served in Credit Analyst, Underwriter, Relationship Manager, Senior Relationship Manager and International Relationship Manager roles at major business banking institutions in San Francisco, Silicon Valley and Redwood Shores. Most recently Mr. Gines served as Relationship Manager at Bridge Bank's Corporate Banking Group in Silicon Valley.

Rich Aiello, SVP and Regional Manager, Salinas/Monterey Region, remarked, “We are pleased to have Jay join Santa Cruz County Bank at this exciting time in our expansion and as we prepare to open our Salinas office. His experience in the regional banking industry and his familiarity with the local community are great assets to the Bank and to the clients we serve. He’s a welcome addition to the team.”

Image: Jay Gines

Mary Anne Carson Promoted to Executive Vice President

We are pleased to announce the promotion of Mary Anne Carson from Senior Vice President to Executive Vice President. Under her new title Mary Anne will continue and expand her leadership as the Bank’s Chief Marketing Officer.

In November 2003, Mary Anne became the fourth employee recruited by Santa Cruz County Bank in its pre-startup phase. Mary Anne is responsible for all aspects of the Bank's marketing, advertising, corporate messaging, community development, donations, media relations, shareholder relations, and she serves on the Bank’s Executive Management team. She was instrumental in creating and launching Santa Cruz County Bank’s iconic brand, logo, website and early product offerings. She has also spearheaded projects including public and private stock sales, and has overseen the openings of seven of the Bank’s locations.

In her 30+ year banking career, Mary Anne has acquired firsthand knowledge of nearly every aspect of banking from the ground up, in positions beginning as a teller and advancing into operations, lending, financial service management, marketing and advertising, public relations, and corporate affairs.

Mary Anne is actively involved with the local community and non-profit organizations, and currently serves in board, committee and advisory roles with Santa Cruz Shakespeare, the Volunteer Center of Santa Cruz County and Santa Cruz Gives. In previous years she has served with Santa Cruz Local, Cabrillo College Women's Educational Scholarship (WES), Santa Cruz Chamber of Commerce and Santa Cruz Cancer Benefit Group. Mary Anne was recognized for her community involvement by the Santa Cruz County Chamber of Commerce as “Volunteer of the Year” in 1998 and by the Aptos Chamber of Commerce as “Woman of the Year” in 2009.  She obtained her Bachelor of Arts degree in Psychology from the University of California, Santa Cruz and is also a graduate of Leadership Santa Cruz County and Focus Agriculture.

Santa Cruz County Bank’s President and Chief Executive Officer, Krista Snelling, commented, “Mary Anne has been an asset to the Bank since before its inception and she has successfully led countless and significant projects during her eighteen-year career here. Foremost, she is responsible for the genesis of the iconic Santa Cruz County Bank brand and has been the Bank’s chief spokesperson since we opened our doors. She is a creative and innovative problem solver, and her leadership continues to be a cornerstone of our success. We look forward to her future triumphs and the continuation of her steady management as the Bank grows in new markets.”

 

Image: Mary Anne Carson

Santa Cruz County Bank Receives Business of the Year Award

Santa Cruz County Bank was named Business of the Year by the Santa Cruz County Chamber of Commerce, alongside 1st Capital Bank, Bay Federal Credit Union, and Santa Cruz Community Credit Union. All four financial institutions were recognized for supporting the local community by securing Payroll Protection Program (PPP) loans during the pandemic.

Of the over $857 million in PPP loans secured, Santa Cruz County Bank alone processed 4,204 PPP loan applications totaling $573.7 million, saving approximately 50,000 jobs and ensuring businesses were able to keep their doors open and their employees on the payroll. The Bank extended resources beyond its business clients in order to support the entire community. For round one alone, Santa Cruz County Bank funded over 1,600 PPP loans, while across the country the average number of PPP loans processed per bank was 222. Santa Cruz County Bank continues to work with businesses by processing PPP forgiveness applications.

Krista Snelling, President and CEO of Santa Cruz County Bank, says, “Thank you to the Santa Cruz County Chamber of Commerce for this meaningful recognition. As a community bank, we felt a responsibility to do whatever it took to help our customers and community. We jumped in feet first on the Paycheck Protection Program, and I give full credit to our amazing employees from all departments who worked around the clock, nights and weekends, to accomplish this Herculean task. This is community banking at its best, caring for and supporting our business community and our neighbors. It is a great pleasure to share this award with our fellow community bank partners: 1st Capital Bank, Bay Federal Credit Union, and Santa Cruz Community Credit Union. We’re in good company, doing good, impactful work.”

Santa Cruz County Bank was also honored as Business of the Year in 2018 by the Santa Cruz Chamber of Commerce. 

Graphic: Santa Cruz Chamber Business of the Year Award 2021 and 2018

Declaration of Quarterly Cash Dividend and Change in 2-for-1 Stock Split Payment Date

The Bank announced that its Board of Directors declared a quarterly cash dividend of $0.09 per share. The dividend is payable on April 4, 2022 to shareholders of record as of the close of business on March 29, 2022.

Chairman William J. Hansen stated, “The Board of Directors of Santa Cruz County Bank are pleased to announce an increase to the quarterly cash dividend paid to our shareholders. The new increased dividend will be $0.09 per share and will be payable on April 4, 2022. This cash payment follows the recent 2-for-1 stock split declared by the Board, whereby our shareholders will receive one share of stock for every share held as of the record date.”

The Bank’s most recent quarterly cash dividend was $0.125 per share, based on the pre-split shares, and was paid on January 10, 2022. On February 15, 2022, the Bank’s Board of Directors declared a 2-for-1 stock split, which will double the number of shares held by shareholders from approximately 4.27 million shares to over 8.5 million shares.

The Bank also announced its Board of Directors approved changing the payment date of its 2-for-1 stock split to March 16, 2022 after the market closes. The 2-for-1 stock split was previously scheduled to be paid on March 14, 2022 to shareholders of record as of March 3, 2022.

image of William J. Hansen

Sentinel Readers Choose SCCB As Best Bank

Thank you Santa Cruz Sentinel newspaper readers for once again voting for Santa Cruz County Bank as the #1 bank in the county – for the seventh time! Every day we strive to be the community's bank of choice. We are honored by this recognition and value the community’s continuing confidence in us. Thank you!

Graphic: Santa Cruz Sentinel Reader's Choice Award 2021

Bank Announces 2-for-1 Stock Split

The Bank's Board of Directors declared a 2-for-1 stock split payable on March 14, 2022 to shareholders of record as of the close of business on March 3, 2022.

Chairman William J. Hansen stated, “We are pleased to announce a 2-for-1 stock split of the Bank’s common shares. This is the first stock split announced in the history of the Bank. The announced stock split will increase the outstanding shares from approximately 4.25 million shares to over 8.5 million shares. The Board of Directors believe doubling the number of outstanding shares will improve the market liquidity of our stock. The Board remains committed to increasing shareholder value through exceptional financial performance.”

Photo of William J Hansen

Bank Welcomes Paul Happach, Product and Digital Transformation Manager

We are pleased to welcome Paul Happach as Senior Vice President, Product and Digital Transformation Manager. Mr. Happach maintains his office at the Bank’s 75 River Street Santa Cruz location where he is responsible for program and project management, product development and vendor management.

Mr. Happach has a 24-year banking background with extensive experience in product management, project management, and IT management. Mr. Happach is well established e-channel fields, specializing in online banking, e-channel products, and systems management. Most recently Mr. Happach served as SVP and Program Management Director with a Southern California based bank, further expanding their adoption of e- and online banking services and managing the bank’s Paycheck Protection Program and project portfolio.

Mr. Happach received a Bachelor of Science in Mathematics degree from California State University Los Angeles, and certifications from Project Management Institute, EXIN, and SPOCE Project Management.

Shamara van der Voort, Executive Vice President and Chief Operations Officer remarked, “We are extremely excited to welcome Paul to the SCCB Team. His extensive background, expertise and knowledge in product, project and systems management bring exciting opportunities to the Bank and for our clients. He’s a valuable addition to our team and we’re looking forward to his contributions.”

image of Paul Happach

Celebrating Eighteen Years Serving Our Communities

February marks eighteen years since the opening of Santa Cruz County Bank and its first full-service branch in Santa Cruz. We now operate seven full-service branches in the tri-county area and look forward to opening a new branch in Salinas in the third quarter. 

We send a special thank you to our shareholders, clients and community for your business and loyalty over the past 18 years. Your support, business referrals, and partnership are the foundation of our success.

Graphic: Happy Anniversary 18 Years

Bank Welcomes Nick Scimone, Relationship Manager

We are pleased to welcome Nick Scimone as Assistant Vice President, Relationship Manager to serve customers in the Greater Santa Cruz area. Mr. Scimone maintains his office at the Bank’s 75 River Street Santa Cruz location where he is responsible for customer acquisition, lending, and business development.

Mr. Scimone returns to Santa Cruz County Bank after his previous roles in Loan Services and as Commercial Credit Analyst and Underwriter, calculating risk in and managing the Bank’s portfolio of commercial loans while working closely with Commercial Lenders. He most recently served as AVP Senior Commercial Underwriter, focusing on Commercial Real Estate, Commercial and Industrial, SBA 504, SBA 7a, Business Acquisition, Equipment Financing, and the Paycheck Protection Program, with a locally based regional bank.

Mr. Scimone received a Master of Business degree with a Finance Focus from California State University Monterey Bay, and a Bachelor of Political Science degree with a Political Philosophy Focus from San Francisco State University. He also attended CCBN Credit Analyst School. 

Angelo De Bernardo, Jr., Executive Vice President and Chief Lending Officer remarked, “We are excited to have Nick return to the Bank. His experience in the local banking industry as well as his firsthand familiarity with our focus on relationships and community make him a valuable and welcome addition to our lending team.”

Photo of Nick Scimone

Bank Announces Earnings for Quarter and Year Ended December 31, 2021

The Bank announced unaudited earnings for the fourth quarter and year ended December 31, 2021. Net income for the year ended December 31, 2021 was a record $21.3 million, 21% over prior year, while fourth quarter net income was $4.7 million. Pretax, pre-provision net earnings for 2021 exceeded 2020 by $9.4 million.

Santa Cruz County Bank President and CEO Krista Snelling commented, “We recorded an incredible year of growth as evidenced by double-digit percentage increases, comparing 2021 to 2020, in assets, loans, deposits and net income, all of which set new historical milestones for Santa Cruz County Bank. 

We continue to make a positive impact in the communities we serve through community engagement and as a trusted financial partner. Our amazing employees logged over 500 hours in community volunteer hours in 2021. Throughout 2021, we supported business owners as they navigated through a challenging year, providing guidance on the PPP forgiveness process to help position them for success in 2022. Santa Cruz County Bank, as a trusted partner, continues to build and strengthen relationships with local business owners. In our eighteenth year of delivering community banking at its best, we look forward to further expansion, welcoming new partnerships and clients, and the opening of our new Salinas branch by third quarter 2022.”

Financial Highlights

Performance highlights as of and for the quarter ended December 31, 2021 included the following:

  • Assets of $1.70 billion as of December 31, 2021, an increase of $277.7 million or 20%, compared to December 31, 2020.
  • Total gross loans (excluding PPP) of $1.11 billion, an increase of $192.9 million or 21%, compared to December 31, 2020.
  • Deposits of $1.5 billion, an increase of $301.6 million or 25%, compared to December 31, 2020.
  • Basic earnings per share of $1.11 and $5.01 for the three and twelve-month periods ended December 31, 2021, respectively.
  • Provision for loan losses was $2.3 million for the fourth quarter of 2021 compared to $2.1 million for the trailing quarter and $2.1 million for the same period in 2020. The increase was driven primarily by growth in the non-PPP sector of the loan portfolio and qualitative reserve factors associated with the Omicron variant.
  • Pretax, pre-provision net earnings were $9.0 million for the quarter ended December 31, 2021, compared to $9.9 million and $7.7 million for the quarters ended September 30, 2021 and December 31, 2020, respectively. Pretax, pre-provision net earnings for 2021 exceeded 2020 by $9.4 million.
  • Net interest margin was 3.78% for the fourth quarter of 2021, as compared to 4.04% in the trailing quarter and 4.08% in the same quarter of 2020.
  • For the quarters ended December 31, 2021 and September 30, 2021, return on average assets was 1.09% and 1.30%, respectively, and the return on average tangible equity was 11.85% and 14.10%, respectively.
  • Efficiency ratio was 45.40% for the fourth quarter of 2021, as compared to 42.63% in the trailing quarter and 49.45% in the same quarter of 2020.
  • All capital ratios were above regulatory requirements for a well-capitalized institution with a total risk-based capital ratio of 14.89%.
  • Continued strong credit quality with nonaccrual loans totaling only $376 thousand.
  • Book value per share after cash dividends increased to $43.61 at December 31, 2021 compared to $42.92 at September 30, 2021.

To view the entire fourth quarter and year ended December, 31 2021 press release and for more information on Santa Cruz County Bank’s performance, please visit our Investor Relations page.

Graphic: 4th Quarter, Q4 in lower right quadrant of square

Bank Declares 10% Stock Dividend Payment to Shareholders

Santa Cruz County Bank's Board of Directors declared a 10% stock dividend payable on November 8, 2021 to shareholders of record as of the close of business on October 26, 2021. Cash will be paid in lieu of fractional shares based on the closing price on the record date.

Chairman William J. Hansen stated, “We are pleased to provide our shareholders with a 10% stock dividend. The Board of Directors continue to manage stock liquidity while increasing shareholder value through exceptional financial performance.”

The Bank reported record performance for the nine months ended September 30, 2021. Net income for the nine months ended September 30, 2021 was $16.6 million compared to $13.5 million, a 23% increase, over the same period in 2020.

Graphic: Stock Dividend Rise, Red Arrow Up

Bank Announces Salinas Expansion, Future Branch

We are excited to announce the purchase of a building in Salinas and our plan to further expand into Monterey County by opening a full-service branch in Salinas in 2022.

Located at 480 & 482 South Main Street, the future home of Santa Cruz County Bank’s eighth full-service branch was built in the early 1970s. Currently occupied by Central Coast College, the building will undergo a complete remodel in early 2022 to provide a full-service banking office with space for additional staffing, ample parking and ATM/Night Depository. The improvements will contribute to the City’s Downtown Salinas Vibrancy Plan, which includes converting Main Street into a two-way street.

Santa Cruz County Bank Board Chairman William J. Hansen commented, “We continue to expand to meet our customers where they are, both digitally and geographically. Our Salinas branch project advances the Bank’s strategic plan to expand into the Salinas/Monterey region. The opening of our eighth full-service banking office in downtown Monterey in January launched our strategic expansion into Monterey County. We look forward to opening the Salinas branch in 2022 to continue to serve our long-established business relationships, while attracting new business in the Salinas Valley and contiguous market areas.”

Image: Side view of building at 480 S. Main Street in Salinas, future home of Santa Cruz County Bank sign

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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