About Us

Santa Cruz County Bank is a locally owned and operated commercial bank, serving the needs of the residents and businesses of Santa Cruz County.  We believe strongly in the importance of local decision making and responsive customer service.  We offer a complete line of short and intermediate term loan products, including commercial term loans and lines of credit, Small Business Administration guaranteed term loans, construction loans, mini-perm commercial real estate loans and home equity lines of credit.  All of our deposit products are augmented by state-of-the-art services, both personal and electronic, including online banking, bill payment, cash management, and merchant services.

Santa Cruz County Bank operates four banking offices located in Capitola, Santa Cruz, Scotts Valley, and Watsonville. To provide further convenience for our clients, the Bank operates two self-serve ATM and Night Depositories in Santa Cruz and Aptos and a Business Lending Center on 41st Avenue, Capitola.

Santa Cruz County Bank is a locally owned commercial bank in Santa Cruz County.