Pacific Coast National Bancorp operates as the bank holding company for Pacific Coast National Bank that provides a range of commercial and consumer banking services to small-to medium-sized businesses, independent single-family residential and commercial contractors, professional concerns, and consumers. The company operates two full service retail banking offices, located in San Clemente and Encinitas, California. Its lending services include commercial real estate, construction and development, commercial loans, and consumer loans, including residential second mortgage loans. The company also offers credit and debit cards, online banking, domestic and foreign wire transfers, and travelers’ and cashier’s checks. These services are provided through various delivery systems, including automated teller machines, private banking, telephone banking, and Internet banking. Lending services The company offers a range of lending products, including commercial loans to small-to-medium-sized businesses, professionals, and consumer loans to individuals. Real estate loans: The real estate portion of the company's loan portfolio comprises: mortgage loans secured typically by commercial and multi-family residential properties, revolving lines of credit granted to consumers secured by equity in residential properties; and construction and development loans. Construction and development loans - Construction loans consist primarily of single-family residential properties, primarily located in the coastal communities, and commercial properties for owner-occupied, have floating interest rates. Commercial and multi-family real estate - Commercial and multi-family real estate loan terms generally are limited to fifteen years or less. Residential real estate – The company’s residential real estate loans consist of residential second mortgage loans. Commercial loans – The company’s target commercial loan market is retail establishments and small-to- medium-sized businesses. Its commercial loan portfolio comprises lines of credit for working capital and term loans to finance equipment and other business assets. SBA loans - SBA loans supports small business owners as they fund purchases of real estate and business expansion. The company’s SBA lending department has the expertise to offer two types of SBA-guaranteed loans to business clients, depending on the business needs and underlying collateral. Consumer and other lending – The company’s consumer loan portfolio consists primarily of personal lines of credit and loans to acquire personal assets, such as automobiles and boats originated on a case-by-case basis as an accommodation for the company’s clients. Investments The company makes investments primarily in obligations of the United States or obligations guaranteed as to principal and interest by the United States and other taxable securities. Deposits The company offers various deposit services including demand deposits, regular savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. History Pacific Coast National Bancorp was founded in 2003.
pacific coast national banco
905 Calle Amanecer
San Clemente, CA 92673
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