West Coast Community Bank (FDIC #57591): Bank Stress & Real-Estate Credit Exposure
West Coast Community Bank (FDIC Cert #57591): bank stress 38/100, contained, STABLE over 7 days; parent WEST COAST COMMUNITY BCORP.
West Coast Community Bank (#57591) lends in 4 counties across 1 state; West Coast Community Bank (#57591) reaches 138 ZIP codes: California 4 counties, 138 ZIPs.
West Coast Community Bank (#57591) largest markets: Santa Clara County, CA (63 branches, 63 ZIPs) (#57591), Monterey County, CA (99 branches, 33 ZIPs) (#57591), San Luis Obispo County, CA (30 branches, 30 ZIPs) (#57591), Santa Cruz County, CA (85 branches, 17 ZIPs) (#57591).
West Coast Community Bank (#57591) reports $2.94 billion in total assets; West Coast Community Bank (#57591) equity $396.6 million (13.5% of West Coast Community Bank (#57591) assets); West Coast Community Bank (#57591) domestic deposits $2.52 billion; West Coast Community Bank (#57591) net income $29.4 million; West Coast Community Bank (#57591) return on assets 2.02%; West Coast Community Bank (#57591) return on equity 15.04%; West Coast Community Bank (#57591) net interest income $70.2 million; West Coast Community Bank (#57591) call report June 30, 2026.
West Coast Community Bank (#57591) noncurrent real-estate loans 0.46% of its book; West Coast Community Bank (#57591) residential 0.19%; West Coast Community Bank (#57591) net charge-offs on real estate 0.52%; West Coast Community Bank (#57591) residential charge-offs 0.81%.
West Coast Community Bank (#57591) net interest margin 5.20% against an eight-quarter West Coast Community Bank (#57591) average of 5.28% (West Coast Community Bank (#57591) compression 0.08 points); West Coast Community Bank (#57591) real-estate loans 45.6% of equity; West Coast Community Bank (#57591) non-residential real estate 80.5% of equity; West Coast Community Bank (#57591) rate-exposure score 40/100, West Coast Community Bank (#57591) fixed-rate trap 40/100; West Coast Community Bank (#57591) risk type rate trapped; West Coast Community Bank (#57591) rate regime rates elevated, West Coast Community Bank (#57591) snapshot October 20, 2026.
West Coast Community Bank (#57591) stress score moved from 33.4 on June 22, 2026 to 37.9 on October 20, 2026; West Coast Community Bank (#57591) ranged 33.4 to 37.9 over 117 snapshots.
West Coast Community Bank (#57591) alerts: 4 counties; top West Coast Community Bank (#57591) alert scores: San Luis Obispo County, CA 22 (low); Cupertino County, CA 16 (low); Salinas County, CA 16 (low); Watsonville County, CA 16 (low).