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Community Bank Of Santa Maria
Santa Maria, CA · FDIC Certificate #57073 · Chartered 03/0
Total assets
$396.52M
Total deposits
$350.36M
Total equity
$38.53M
Net loans
$292.46M
Branches (offices)
2
Net income (YTD)
$2.19M
Rank: #2,069 of 4,213 U.S. banks by assets · #85 of 115 in California. Assets changed -5.1% and deposits -4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.07% |
| Return on equity | 11.14% |
| Net interest margin (YTD) | 4.39% |
| Equity to assets | 9.72% |
| Tier 1 leverage ratio | 10.49% |
| Uninsured deposits (share of deposits) | 27.0% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 83.5% |
| Real estate loans (share of loans) | 84.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $246.40M | 84.3% | |
| Commercial & industrial | $29.05M | 9.9% | |
| Consumer / individual | $332.00K | 0.1% | |
| Construction & development | $14.55M | 5.0% | |
| Agricultural | $3.72M | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $418.99M | $389.16M | $1.44M | $26.94M |
| Jun 2023 | $405.40M | $373.63M | $2.11M | $28.80M |
| Jun 2024 | $405.39M | $357.88M | $1.69M | $33.69M |
| Jun 2025 | $417.64M | $367.00M | $1.99M | $37.87M |
| Jun 2026 | $396.52M | $350.36M | $2.19M | $38.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $350.36M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $350.36M.
Similar-sized banks
Union Bank ($396.66M) · The Clinton National Bank ($396.42M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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