SCCB Named California’s Top Bank

No. 1 Bank in State of California • No. 1 in Asset Quality

Santa Cruz County Bank (OTC: SCZC) announced its rank as the top bank in California for the second quarter in 2017. FMC — Financial Management Consulting Group ranks all 168 California banks on a quarterly and annual basis based on a variety of factors including: net interest margin, efficiency, asset quality and earnings. The Bank also ranks #1 for asset quality and lowest non-performing assets.

For the past two consecutive years Santa Cruz County Bank has ranked in FMC’s Top Ten in the state of California for annual performance. For the full year in 2016 and 2015, Santa Cruz County Bank ranked 1st for lowest non-performing assets and 1st in asset quality compared to all other California banks.

Santa Cruz County Bank President and CEO David Heald stated, “We are very pleased to rank number one in overall performance for the first two quarters in 2017.

We have been in the company of the top ten performing banks in the state of California for the past eight quarters consecutively due to our commitment to deliver top financial performance for our shareholders.”

Financial Management Consulting Group, is a 29-year-old firm based in Kentucky that provides consulting and reporting for financial institutions throughout the United States. For the complete list of Top Ten FMC rankings, visit http://www.fmcgrp.com/performance-reports.html and click on the State of California.

Santa Cruz County Bank, founded in 2004, is a locally owned and operated community bank with offices located in Aptos, Capitola, Santa Cruz, Scotts Valley and Watsonville. For the past nine years, the Bank’s Small Business Administration (SBA) Department has been recognized as a top SBA lender in Santa Cruz County. Santa Cruz County Bank is a top United States Department of Agriculture (USDA) lender in the state of California. For more information about Santa Cruz County Bank, please visit our website www.sccountybank.com.