Community Bank of Santa Maria
Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a risk-based capital ratio of 16.1 and a capital leverage ratio of 10.8. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.5) profitability.
Asset Mix:
Comm re (37%), securities (28%), comm loans (6%), home eq lns (4%), cash (3%), home mtgs (1%), other (21%)
States with Branches:
CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Community Bancorp of Santa Maria
Investment Rating
--
Address
2739 Santa Maria Way
Santa Maria, CA 93455
Santa Maria, CA 93455
Phone Number
(805) 922-2900
Year Founded
2001
FDIC Number
Website
Largest Affiliates
No affiliate information available.