Reading ncfile is very easy in MATLAB. You need to know only very few functions. Read about ncdisp, ncread.
ncfile = 'san_diego_bay_P020_2017.nc' ;
lon = ncread(ncfile,'lon') ;
lat = ncread(ncfile,'lat') ;
B = ncread(ncfile,'Band1') ;
pcolor(lon,lat,B')
shading interp
colorbar
