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Regulatory profile
Santa Cruz, CA · FDIC certificate #57591 · RSSD 3235410
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $2.9B | $2.5B | $2.2B | 2.02% | 15.04% | 5.20% |
| 2026-03-31 | $2.9B | $2.5B | $2.2B | 2.16% | 16.06% | 5.20% |
| 2025-12-31 | $2.9B | $2.5B | $2.1B | 1.91% | 14.28% | 5.41% |
| 2025-09-30 | $2.8B | $2.4B | $2.1B | 1.85% | 13.84% | 5.41% |
| 2025-06-30 | $2.7B | $2.3B | $2.1B | 1.90% | 14.18% | 5.40% |
| 2025-03-31 | $2.7B | $2.3B | $2.1B | 1.79% | 13.65% | 5.33% |
| 2024-12-31 | $2.7B | $2.3B | $2.0B | 1.58% | 11.66% | 5.32% |
| 2024-09-30 | $1.8B | $1.5B | $1.4B | 1.98% | 14.33% | 5.00% |
| 2024-06-30 | $1.7B | $1.4B | $1.4B | 2.04% | 14.96% | 5.03% |
| 2024-03-31 | $1.7B | $1.5B | $1.4B | 2.14% | 16.05% | 5.00% |
| 2023-12-31 | $1.8B | $1.5B | $1.4B | 2.01% | 16.69% | 5.04% |
| 2023-09-30 | $1.8B | $1.5B | $1.4B | 2.01% | 17.02% | 5.05% |
| 2023-06-30 | $1.7B | $1.5B | $1.3B | 1.98% | 16.91% | 5.03% |
| 2023-03-31 | $1.7B | $1.5B | $1.3B | 2.05% | 17.67% | 5.10% |
| 2022-12-31 | $1.7B | $1.5B | $1.2B | 1.76% | 16.47% | 4.25% |
| 2022-09-30 | $1.9B | $1.7B | $1.2B | 1.58% | 15.05% | 3.97% |
| 2022-06-30 | $1.8B | $1.6B | $1.2B | 1.36% | 12.71% | 3.81% |
| 2022-03-31 | $1.7B | $1.5B | $1.2B | 1.26% | 11.67% | 3.74% |
| 2021-12-31 | $1.7B | $1.5B | $1.2B | 1.33% | 11.96% | 4.08% |
| 2021-09-30 | $1.7B | $1.5B | $1.2B | 1.40% | 12.57% | 4.13% |
| 2021-06-30 | $1.6B | $1.4B | $1.3B | 1.44% | 12.77% | 4.09% |
| 2021-03-31 | $1.6B | $1.4B | $1.3B | 1.56% | 13.54% | 4.06% |
| 2020-12-31 | $1.4B | $1.2B | $1.2B | 1.37% | 10.98% | 4.11% |
| 2020-09-30 | $1.4B | $1.2B | $1.2B | 1.45% | 11.42% | 4.03% |
| 2020-06-30 | $1.4B | $1.1B | $1.1B | 1.39% | 10.52% | 4.05% |
| 2020-03-31 | $1.1B | $0.9B | $0.7B | 1.64% | 11.45% | 4.49% |
| 2019-12-31 | $1.1B | $0.9B | $0.7B | 1.60% | 13.83% | 4.90% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 5851711 · 2023-08-18 to current
2024-10-01RSSD 3594797 → 3235410 · code 1
2019-10-19RSSD 3648337 → 3235410 · code 1
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.