Is Community Bk of Santa Maria Safe?
Community Bk of Santa Maria has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (65/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.52% | 96/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 31.73% | 100/100 |
| Return on Assets | 1.12% | 65/100 |
| Total Assets | $0.4B | |
How does Community Bk of Santa Maria compare?
With a Bank Health Score of 95/100, Community Bk of Santa Maria sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within California, where 123 FDIC-insured banks are headquartered, Community Bk of Santa Maria ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 14.52% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Community Bk of Santa Maria's Bank Health Score fell by 2.0 points to 95/100. Tier 1 capital weakened by 0.39 percentage points to 14.52%. Quarter-over-quarter, the score fell by 2.0 points.
Community Bk of Santa Maria has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (65/100).