Santa Cruz County Bank
West Coast Community Bancorp operates as the bank holding company for Santa Cruz County Bank that provides a range of commercial and personal banking services to residents and businesses in the United States. It offers checking, savings, money market, certificate of deposits, and health savings accounts; and individual retirement account and retirement plans. The company also provides lending pro… Read more
Santa Cruz County Bank (SCZC) - Total Assets
Latest total assets as of March 2025: $2.66 Billion USD
Based on the latest financial reports, Santa Cruz County Bank (SCZC) holds total assets worth $2.66 Billion USD as of March 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Santa Cruz County Bank - Total Assets Trend (2012–2023)
This chart illustrates how Santa Cruz County Bank’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Santa Cruz County Bank - Asset Composition Analysis
Current Asset Composition (December 2023)
Santa Cruz County Bank's total assets of $2.66 Billion consist of 0.0% current assets and 0.0% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 2.5% |
| Accounts Receivable | $27.05 Million | 1.5% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $1.67 Million | 0.1% |
| Goodwill | $25.76 Million | 1.4% |
Asset Composition Trend (2012–2023)
This chart illustrates how Santa Cruz County Bank's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Santa Cruz County Bank's current assets represent 0.0% of total assets in 2023, unchanged from 0.0% in 2012.
- Cash Position: Cash and equivalents constituted 2.5% of total assets in 2023, down from 3.2% in 2012.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 1.0% of total assets, an increase from 0.0% in 2012.
- Asset Diversification: The largest asset category is accounts receivable at 1.5% of total assets.
Santa Cruz County Bank Competitors by Total Assets
Key competitors of Santa Cruz County Bank based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001
|
China | CN¥5.77 Trillion |
|
Bank of Ningbo Co Ltd
SHE:002142
|
China | CN¥3.58 Trillion |
|
Bank of Zhengzhou Co Ltd Class A
SHE:002936
|
China | CN¥743.55 Billion |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958
|
China | CN¥509.92 Billion |
|
Bank of Suzhou
SHE:002966
|
China | CN¥776.04 Billion |
|
Jeju Bank
KO:006220
|
Korea | ₩7.72 Trillion |
|
Industrial Bank Of Korea
KO:024110
|
Korea | ₩490.11 Trillion |
|
Hana Financial
KO:086790
|
Korea | ₩659.08 Trillion |
Santa Cruz County Bank - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Lower asset utilization - Santa Cruz County Bank generates 0.05x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Moderate ROA - For every $100 in assets, Santa Cruz County Bank generates $ 1.96 in net profit.
Santa Cruz County Bank - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.03 | 0.24 | 0.26 |
| Quick Ratio | 0.03 | 0.24 | 0.22 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $-1.42 Billion | $ -692.33 Million | $ -414.44 Million |
Santa Cruz County Bank - Advanced Valuation Insights
This section examines the relationship between Santa Cruz County Bank's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.23 |
| Latest Market Cap to Assets Ratio | 0.17 |
| Asset Growth Rate (YoY) | 2.9% |
| Total Assets | $1.79 Billion |
| Market Capitalization | $298.23 Million USD |
Valuation Analysis
Below Book Valuation: The market values Santa Cruz County Bank's assets below their book value (0.17 x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: Santa Cruz County Bank's assets grew by 2.9% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for Santa Cruz County Bank (2012–2023)
The table below shows the annual total assets of Santa Cruz County Bank from 2012 to 2023.
| Year | Total Assets | Change |
|---|---|---|
| 2023-12-31 | $1.79 Billion | +2.86% |
| 2022-12-31 | $1.74 Billion | +2.54% |
| 2021-12-31 | $1.70 Billion | +19.56% |
| 2020-12-31 | $1.42 Billion | +114.80% |
| 2018-12-31 | $662.41 Million | +5.15% |
| 2017-12-31 | $629.96 Million | +7.09% |
| 2016-12-31 | $588.23 Million | +14.59% |
| 2015-12-31 | $513.34 Million | +11.64% |
| 2014-12-31 | $459.80 Million | +15.36% |
| 2013-12-31 | $398.58 Million | +11.85% |
| 2012-12-31 | $356.35 Million | -- |