What CalPrivate Bank does

CalPrivate Bank, founded in 2004 as San Diego Private Bank and rebranded in 2013, is a wholly-owned subsidiary of Private Bancorp of America, Inc. (OTC: PBAM). The bank operates as a relationship-focused private bank headquartered in La Jolla, California, serving high-net-worth individuals and families, mid-market and enterprise businesses, small business owners, and specialized verticals including legal professionals, wealth management firms, and nonprofit organizations. It operates seven branches across Southern California spanning Beverly Hills, Coronado, La Jolla, Montecito, Newport Beach, downtown San Diego, and South Bay, each staffed with dedicated Relationship Managers and market presidents. The bank's positioning targets clients whose complex financial needs exceed what larger, standardized institutions accommodate, with explicit emphasis on creative funding solutions and personalized service.

The bank generates revenue through traditional commercial banking mechanics. The primary stream is interest income from a diversified lending portfolio that includes commercial real estate loans, construction financing, SBA 7(a) and 504 loans, working capital lines of credit, equipment loans, fixture loans, and consumer lending. Supplementary fee income is derived from deposit and checking account fees, business and personal credit card interchange, merchant card processing, treasury management services (ACH origination, wire transfers, Positive Pay), and remote deposit capture. Pricing is predominantly quote-based, negotiated with Relationship Managers. The go-to-market is sales-led and field-based, supported by professional referral networks (attorneys, CPAs, existing clients) and community sponsorship across nonprofit, arts, and healthcare organizations in Southern California.

The technology stack comprises a digital banking platform with online banking, an iOS/Android mobile application, and the tiered Deposit One remote deposit capture suite for business clients (Basic, Mobile, Desktop, and Premium tiers). Core integrations include FIS Global for remote deposit capture, Centrix for Positive Pay fraud protection, and Celero for payment processing. Recent strategic activity includes July 2026 appointments of a new General Counsel and Acting Chief Credit Officer, alongside the parent company's announcement of intent to uplist from OTC to NASDAQ. The bank holds a 5-Star BauerFinancial rating for 37 consecutive quarters and was ranked #2 in California and #10 nationally by American Banker in 2025.

Name

CalPrivate Bank

Legal name

CalPrivate Bank

Website

https://calprivate.bank

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

CalPrivate Bank is a relationship-focused private bank serving high-net-worth individuals, mid-market businesses, and specialized verticals including legal and nonprofit organizations across Southern California, operating through seven branches and digital banking channels.

Ownership category

akta.pro rank

Product category

Private Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

SME Commercial Real Estate (CRE) Lending (FSABABAG), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Private banking services
• Commercial lending solutions
• SBA small business loans
• Treasury management services
• Relationship-based banking

Headquarters

HQ city

La Jolla

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Lending: Traditional banking revenue from interest earned on commercial real estate loans, construction financing, SBA loans, working capital lines of credit, equipment loans, and consumer loans.
2. Deposit and Checking Account Fees: Fees from business and personal checking accounts, savings accounts, and money market accounts.
3. Credit Card Fees: Revenue from business credit cards including annual fees and interchange fees on Business Standard and Business Preferred Points cards.
4. Fixture Loans: Financing for furniture and fixtures for business expansion.
5. Equipment Loans: Financing for business equipment including commercial vehicles, construction equipment, manufacturing machinery, and technology.
6. Merchant Card Services: Payment processing services for businesses accepting credit and debit transactions.
7. Treasury Management Services: Business banking services including ACH origination, wire transfers, and cash management.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

CalPrivate Bank is a relationship-based private bank operating seven branches across Southern California, offering customized personal and business banking solutions. Core offerings include commercial lending, commercial real estate financing, SBA 7(a) and 504 loans, treasury management, merchant card services, remote deposit capture (Deposit One), and digital banking via online and mobile platforms. The bank targets individuals and businesses with complex financial needs that larger institutions typically decline.

Product overview

CalPrivate Bank offers a comprehensive banking platform serving both personal and business customers across California. The core banking offerings include personal and business checking/savings accounts, commercial lending, real estate financing, and SBA loans. The digital banking infrastructure centers on Online Banking and Mobile Banking App platforms, supplemented by specialized deposit solutions. Deposit One provides a tiered remote deposit capture system with Basic, Mobile, Desktop, and Premium options targeting different business deposit needs. Treasury Management Services and Merchant Card Services support business operations, while specialty products like Impact Checking serve nonprofit organizations.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Comprehensive personal banking services including checking accounts, savings accounts, personal lending solutions, online and mobile banking access, and ICS/CDARS deposit products for individual retail customers.
• Business Banking Business-focused banking services including business checking, business savings accounts, treasury management services, business credit cards, and ICS/CDARS products designed for business operations.
• Commercial Lending Financing solutions for commercial enterprises including working capital lines of credit, equipment loans for commercial vehicles, construction equipment, manufacturing machinery, technology, and fixture loans for furniture and fixtures to support business growth.
• Real Estate Lending Commercial real estate term loans secured by income-producing real estate for investors or owners, used to finance or refinance real property, including construction financing for renovation or development projects.
• SBA Loans Small Business Administration guaranteed loans including SBA 7(a) and SBA 504 programs plus startup loans for new business ventures, delivered through SBA Preferred Lender status with a dedicated team of SBA lenders, underwriters, and processors.
• Treasury Management Services Comprehensive business banking services including Positive Pay fraud protection (Centrix), wire transfers, ACH origination and processing, merchant card services integration, account management, and cash management tools for business clients.
• Merchant Card Services Card payment processing services for business owners including traditional terminals, mobile payment solutions, and credit/debit transaction processing.
• ICS / CDARS Products Insured Cash Sweep (ICS) and Certificate of Deposit Account Registry Service (CDARS) for deposit placement and FDIC insurance coverage on large deposits exceeding standard insurance limits, available for both personal and business clients.
• Business Credit Cards Business credit card offerings including Business Standard Card with no annual fee, customized credit lines per authorized employee, and 25-day interest-free grace period; and Business Preferred Points Card with a $49 annual fee that earns rewards redeemable for cash-back, retail gift cards, travel, or merchandise.
• Personal Credit Cards Personal credit card products offered to individual banking customers of CalPrivate Bank.
• Impact Checking Specialty checking account designed for nonprofit organizations with social or environmental impact missions, providing nonprofit-specific banking services.
• Deposit One Remote Deposit Capture Comprehensive remote deposit capture solution for business customers offering multiple service tiers (Basic, Mobile, Desktop, Premium) for check scanning and electronic deposit processing, enabling businesses to deposit checks via mobile and desktop devices with customizable deposit limits and multi-user/multi-entity access.

Quantifiable outcome

• 37 consecutive quarters of 5-star BauerFinancial rating
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core.

• Positive Pay (Centrix)coreTechnology or IntegrationIntegration with Centrix Positive Pay service for business fraud protection and check authorization services.
• Remote Deposit Capture (FIS Global)coreTechnology or IntegrationPartnership with FIS Global for remote deposit capture services enabling business clients to deposit checks electronically.
• Celero Payment SolutionscoreTechnology or IntegrationIntegration with Celero for payment processing solutions and financial services technology.
• SBA (U.S. Small Business Administration)coreStrategic or Co-development PartnerSBA Preferred Lender partnership providing SBA 7(a) and SBA 504 loan programs to small business clients.
• CDARS/ICScoreStrategic or Co-development PartnerCertificate of Deposit Account Registry Service and Insured Cash Sweep services for FDIC insurance coverage on large deposits.

Scale indicators6 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• First Foundation Inc. California-based bank holding company with First Foundation Bank serving high-net-worth individuals, businesses, and affluent professionals across California and select western markets. Directly comparable in HNW/private banking focus, specialty verticals, and CRE/SBA lending orientation.
• City National Bank: One of California's largest private banks, headquartered in Los Angeles, now a subsidiary of Royal Bank of Canada. Directly comparable as a relationship-based private and business bank targeting entertainment, professional services, and HNW clients in Southern California.
• Pacific Premier Bancorp: California-headquartered bank holding company operating Pacific Premier Bank, focused on small-to-medium-sized businesses with commercial lending, treasury management and SBA capabilities. Comparable in business-banking orientation and California footprint, though larger scale.
• CVB Financial / Citizens Business Bank: Ontario, California-based bank holding company for Citizens Business Bank, serving small and middle-market businesses and individuals throughout California with commercial banking, treasury management, and CRE lending — closely aligned offering set.
• Bank of Southern California: Small Southern California community bank with branches across San Diego, Orange County and Los Angeles, focused on business banking, CRE and SBA lending. Directly comparable in geographic footprint and target customer profile.
• Heritage Commerce Corp: Bay Area-headquartered California bank holding company for Heritage Bank of Commerce, serving small-to-medium-sized businesses with commercial lending, treasury management and SBA lending. Comparable California commercial banking franchise.
• Provident Financial Holdings: Riverside, California-based bank holding company operating Provident Savings Bank, a community bank offering business banking, CRE lending and savings products in Southern California. Similar community-bank orientation and CRE emphasis.

Broad incumbents

• Bank of America Private Bank: Large national private bank with significant Southern California presence targeting HNW clients. Overlaps with CalPrivate's HNW private banking value proposition but operates at far greater scale with broader product set and digital capabilities.
• JPMorgan Private Bank: Global private banking franchise with strong California HNW presence, expanded materially through the First Republic acquisition. Competes for the same HNW individuals and businesses CalPrivate serves, but with vastly larger balance sheet and product breadth.

Regional players

• Pacific Enterprise Bancorp: Small Southern California community bank headquartered in Irvine serving small and middle-market businesses with commercial and SBA lending. Comparable in scale and California focus, though operating in different sub-markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/calprivate-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles22 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CalPrivate Bank