Community Bank of Santa Maria
Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5. A current level of 1.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.5).
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 (5.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.3) profitability.
Asset Mix:
Comm re (44%), securities (20%), comm loans (7%), home eq lns (4%), cash (2%), home mtgs (1%), other (22%)
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
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