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This institution is no longer active

Operations ceased on February 2, 2004. CRA examination history below reflects the period it was active.

COAST COMMERCIAL BANK

SANTA CRUZ, CA · Supervised by FDIC

Est. 1982FDIC #23,681RSSD: FDIC-23681
Part ofGREATER BAY BCORP→ View all charters
Outstanding Same

Current rating · Exam: October 1999

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.69%

Institution Profile

FDIC BankFind

Address

720 Front Street, SANTA CRUZ, CA

County

Santa Cruz County

Established

February 17, 1982

Total Assets

$605M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2003Call Report / FDIC

Total Assets

$605M

Total Deposits

$442M

Net Loans

$231M

Net Income

$4M

ROA

0.69%

ROE

10.66%

Risk-Based Capital

15.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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