Community Bank of The Bay
Community Bank of The Bay was a California community bank serving entrepreneurs, SMBs, nonprofits, and high-net-worth individuals with relationship-based business banking, lending, real estate financing, and payment processing; acquired by CBC Bancorp in November 2024 to form a ~$3.5 billion-asset institution.
- Company typePrivate
- Founded1996
- HeadquartersOakland, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Community Bank of The Bay does
Community Bank of The Bay is a California-based community bank, operating until November 2024 as a private institution and previously known as Bay Community Bancorp. The bank served entrepreneurs, business owners, high-net-worth individuals, nonprofit organizations, real estate professionals, and small-business retailers with a relationship-based service model centered on assigned personal bankers. Its product set spanned business accounts, business lending (lines of credit and term loans), real estate lending, treasury management, private banking, payment processing through a dedicated CBC Payments division (merchant services and ACH solutions), and consumer-facing Zelle transfers. Differentiated offerings included CBCash cashflow management and the California Green Fund, which directed deposits into loans for clean energy, green real estate, and sustainable food system businesses.
Technology and revenue mechanics reflect a standard FDIC-insured community bank rather than a tech-forward fintech. The platform combines physical branch distribution across California with self-serve online and mobile banking (eBanking), remote deposit capture, IntraFi ICS/CDARS for expanded deposit insurance, and acquiring partner networks for merchant acquiring. Revenue is generated primarily through net interest income on commercial and real estate loans, recurring deposit and treasury management fees, private banking relationship fees, and transaction-based merchant acquiring economics — a model in which rate environment, credit spreads, and loan growth dominate top-line outcomes rather than subscription scaling. Pricing is quote-based and not publicly disclosed, reflecting the relationship-driven GTM.
In November 2024, CBC Bancorp (the holding company for Commercial Bank of California) completed its acquisition of Bay Community Bancorp, creating a combined entity of approximately $3.5 billion in assets and ending Community Bank of The Bay's independent operating status. The merged institution continues to emphasize California-focused community banking, minority-owned-and-led positioning, and the relationship-based service model that historically defined the franchise.
Community Bank of The Bay firmographics
Firmographics- Name
- Community Bank of The Bay
- Legal name
- Community Bank of The Bay
- Website
- https://bankcbb.com
- Company type
- Private
- Founded year
- 1996
- Operating status
- Acquired
- Headcount range
- 51–100 employees
- Short description
- Community Bank of The Bay was a California community bank serving entrepreneurs, SMBs, nonprofits, and high-net-worth individuals with relationship-based business banking, lending, real estate financing, and payment processing; acquired by CBC Bancorp in November 2024 to form a ~$3.5 billion-asset institution.
- Ownership category
- akta.pro rank
Community Bank of The Bay industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Savings Banks (Public/State-Owned) (FSABAKAK)
- akta.pro secondary industry
- Onshore Private Banking (Domestic HNW/UHNW) (FSAAABAA)
Keywords
Where Community Bank of The Bay is headquartered
LocationHeadquarters
- HQ city
- Oakland
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Community Bank of The Bay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income from Lending: Traditional banking revenue from interest earned on loans including commercial loans, real estate loans, and lines of credit.
- Payment Processing Services: Merchant services and payment processing including ACH solutions and acquiring partner services.
- Deposit Services: Fee income from deposit account services and treasury management.
- Private Banking Services: Premium banking services for high net worth individuals and business owners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Banking - Relationship-based pricing |
| Subscription | Monthly | Private Banking - Premium individualized services |
| Transaction based/ take rate | Monthly | Merchant Services - Payment processing fees |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Community Bank of The Bay product offering
Product offeringCore offering
Community Bank of The Bay operates as a California-based community bank providing business banking, lending, real estate financing, treasury management, private banking, and payment processing services. It targets entrepreneurs and business owners with relationship-based banking delivered through dedicated personal bankers, and also serves high net worth individuals and nonprofit organizations across California.
Product overview
Commercial Bank of California (CBC) operates as a unified banking platform offering a comprehensive suite of financial products and services for businesses and individuals. The core product portfolio spans business banking (accounts and lending), real estate lending, business solutions (treasury management and cashflow tools), private banking, and payment processing through the CBC Payments division. Key service add-ons include Zelle for person-to-person payments, Commercial BankExpress Remote Deposit for check capture, and IntraFi network access for expanded deposit insurance. A notable initiative is the California Green Fund directing deposits toward sustainable projects. As of November 2024, CBC Bancorp completed the acquisition of Bay Community Bancorp (parent of Community Bank of The Bay), expanding the combined entity to approximately $3.5 billion in assets.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Accounts Business checking and savings accounts offering deposit services, account solutions, industries served, and Zelle Business integration for business customers.
- Business Lending Commercial lending solutions including lines of credit and various loan types for business financing needs.
- Real Estate Lending Real estate financing solutions for commercial and investment properties, with expertise in understanding real estate markets.
- Business Solutions Comprehensive business banking solutions including treasury management, banking solutions, and CBCash for cashflow management.
- Private Banking Personal banking services for high-net-worth individuals with personalized banking experiences and private client services.
- CBC Payments Payment processing and merchant services division offering acquiring partners solutions, merchant services, Automated Clearing House (ACH) solutions, and payment processing for businesses.
- Acquiring Partners Acquiring partner channel offering robust payments solutions, partner offerings, and partner support for payment processing and merchant services.
Quantifiable outcome
- 20+ years of continuous operation serving entrepreneurs
- +1 more outcomes
Companies that use Community Bank of The Bay
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles5 records
Community Bank of The Bay technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Community Bank of The Bay partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights5 records
Community Bank of The Bay competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key highlights1 record
Customer concentration
Community Bank of The Bay social profiles
Digital presenceCommunity Bank of The Bay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Community Bank of The Bay leadership team
Management profileNumber of profiles
Profiles2 records
Community Bank of The Bay funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Community Bank of The Bay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Community Bank of The Bay
What does Community Bank of The Bay do?
Community Bank of The Bay operates as a California-based community bank providing business banking, lending, real estate financing, treasury management, private banking, and payment processing services. It targets entrepreneurs and business owners with relationship-based banking delivered through dedicated personal bankers, and also serves high net worth individuals and nonprofit organizations across California.
Is Community Bank of The Bay a public or private company?
Community Bank of The Bay is a private company. It is classified as corporate owned and is currently acquired.
When was Community Bank of The Bay founded?
Community Bank of The Bay was founded in 1996. It employs 51 to 100 people.
Where is Community Bank of The Bay based?
Community Bank of The Bay is headquartered in Oakland, United States, in the North America region.
How does Community Bank of The Bay make money?
Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are payment Processing Services, deposit Services and private Banking Services.
Does Community Bank of The Bay have an API?
No public API is recorded for Community Bank of The Bay.
What industry is Community Bank of The Bay in?
Community Bank of The Bay's product category is Community Banking. Its primary akta.pro industry code is FSABAKAK, Savings Banks (Public/State-Owned), with a secondary code of FSAAABAA, Onshore Private Banking (Domestic HNW/UHNW). Its NAICS code is 52211 and its SIC code is 6022.