Santa Cruz County Bank (the Bank) is a full-service community bank. The Bank is an SBA lender in Santa Cruz County and Silicon Valley and a USDA lender in the state of California. As a full-service bank, Santa Cruz County Bank offers competitive deposit and lending solutions for businesses and individuals, including business loans, lines of credit, commercial real estate financing, construction lending, agricultural loans, SBA and USDA government guaranteed loans, asset-based lending, credit cards, merchant services, remote deposit capture, mobile and online banking, bill payment and treasury management. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are commercial, commercial real estate, construction, multifamily, and agriculture loans supported by single-family home equity loans, municipal loans, and others. It has branches in Aptos, Capitola, Cupertino, Monterey, Salinas, Santa Cruz, Scotts Valley and Watsonville.