ADDED
At December 31, 2025, the Company had consolidated assets of $3.8 billion (including gross loans of $2.5 billion), liabilities totaling $3.5 billion (including deposits of $2.9 billion), and shareholders equity of $364.9 million.
The Bank maintains administrative offices, loan production offices, and 34 full-service branches in California.
Porterville: Administrative Headquarters 86 North Main Street Main Office 90 North Main Street West Olive Branch 1498 West Olive Avenue Bakersfield: Bakersfield California Office 4456 California Ave Bakersfield Riverlakes Office 4060 Coffee Road Bakersfield Ming Office 8500 Ming Avenue Bakersfield East Hills Office 2501 Mt.
Valencia Boulevard We have ATMs at all but one of our branch locations and at six non-branch locations.
We offer a variety of other banking products and services to complement and support our lending and deposit products, including remote deposit capture and payroll services.
Our chief products and services are making loans and accepting deposits.
The bulk of our real estate loans are secured by owner and non-owner occupied commercial real estate, including office, retail, and hotel/motels; however, we also offer other real estate loan types such as commercial construction loans, multifamily, and agricultural.
As noted above, gross loans totaled $2.5 billion at December 31, 2025, and the percentage of our total loan portfolio for each of the principal types of credit we extend was as follows: (i) loans secured by real estate (72.0%); (ii) mortgage warehouse loans (20.3%); (iii) other commercial loans, including agricultural production and SBA loans (7.6%); and (iv) consumer loans (0.1%).
Interest, fees, and other income on real estate secured loans, which is by far the largest segment of our portfolio, totaled $90.7 million, or 61% of net interest plus other income in 2025, and $83.1 million, or 57% of net interest plus other income in 2024.
The Bank s deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to maximum insurable amounts.
REMOVED
At December 31, 2024, the Company had consolidated assets of $3.6 billion (including gross loans of $2.3 billion), liabilities totaling $3.3 billion (including deposits of $2.9 billion), and shareholders equity of $357.3 million.
The Bank now maintains administrative offices, loan production offices, and 35 full-service branches in the following California locations: Porterville: Administrative Headquarters 86 North Main Street Main Office 90 North Main Street West Olive Branch 1498 West Olive Avenue Bakersfield: Bakersfield California Office 4456 California Ave Bakersfield Riverlakes Office 4060 Coffee Road Bakersfield Ming Office 8500 Ming Avenue Bakersfield East Hills Office 2501 Mt.
Valencia Boulevard Complementing the Bank s stand-alone offices are specialized lending units which include our Commercial and Industrial, Mortgage Warehouse, and Real Estate lending divisions.
We have ATMs at all but one of our branch locations and at seven non-branch locations.
We offer a variety of other banking products and services to complement and support our lending and deposit products, including remote deposit capture and payroll services for business customers.
Our chief products and services relate to making loans and accepting deposits.
The bulk of our real estate loans are secured by commercial real estate, both owner-occupied and non owner-occupied , including office, retail, and hotel/motels; however, we also offer other types of real estate loans such as commercial construction loans, multifamily and agricultural.
As noted above, gross loans totaled $2.3 billion at December 31, 2024 and the percentage of our total loan portfolio for each of the principal types of credit we extend was as follows: (i) loans secured by real estate (78.2%); (ii) mortgage warehouse loans (14.0%); other commercial loans, including agricultural production and SBA loans (7.6%); (iii) other commercial loans, including agricultural production and SBA loans (7.6%); ; and (iv) consumer loans (0.1%).
Interest, fees, and other income on real estate secured loans, which is by far the largest segment of our portfolio, totaled $83.1 million, or 57% of net interest plus other income in 2024, and $82.2 million, or 59% of net interest plus other income in 2023.
The Bank s deposit accounts are insured by the Federal Deposit Insurance Corporation (the FDIC ) up to maximum insurable amounts.