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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
Sweet Spot
$0-$500K
Industries with highest loan volume
Supermarkets and Other Grocery Retailers (except Convenience Retailers)
1
loans
$4.1M
avg. amount
Supermarkets and Other Grocery Retailers (except Convenience Retailers)
Loans
1
Avg. Amount
$4.1M
Fitness and Recreational Sports Centers
1
loans
$262K
avg. amount
Fitness and Recreational Sports Centers
Loans
1
Avg. Amount
$262K
Home Centers
1
loans
$2.5M
avg. amount
Home Centers
Loans
1
Avg. Amount
$2.5M
Convenience Retailers
1
loans
$310K
avg. amount
Convenience Retailers
Loans
1
Avg. Amount
$310K
Other Services to Buildings and Dwellings
1
loans
$245K
avg. amount
Other Services to Buildings and Dwellings
Loans
1
Avg. Amount
$245K
Residential Property Managers
1
loans
$165K
avg. amount
Residential Property Managers
Loans
1
Avg. Amount
$165K
Limited-Service Restaurants
1
loans
$170K
avg. amount
Limited-Service Restaurants
Loans
1
Avg. Amount
$170K
Full-Service Restaurants
1
loans
$1.4M
avg. amount
Full-Service Restaurants
Loans
1
Avg. Amount
$1.4M
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.90% |
| $1M-$2M | Prime + 2.75% |
| $2M-$3M | Prime + 1.50% |
| $4M-$5M | Prime + 1.25% |
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)