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West Coast Community Bank is a full-service community bank formed from the merger of Santa Cruz County Bank and 1st Capital Bank, rebranded in April 2025. The bank serves California communities across Monterey, San Luis Obispo, Santa Clara and Santa Cruz counties with personal banking, business solutions, and lending services.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of December 31, 2025
Median
$286K
Average
$1.1M
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All rates shown as spread over Prime Rate
This Lender
Market Average
As Of December 31, 2025 - 10-year default rate indicates underwriting quality
10-Year Default Rate
0.0%
low
Performance Ranking
0th
Lower is better among all lenders
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)