Albina Community Bank

What Albina Community Bank does

Albina Community Bank, headquartered in Oakland, California, is described in firmographics as a mission-driven community bank founded in 1995 with 11-50 employees. The detailed operating data attached to the record identifies the institution as Beneficial State Bank (legal name), a values-based, ethical banking institution operating under the "Beneficial Banking" trade name. The bank offers a full-service suite of personal, business, and nonprofit banking products, including checking and savings accounts, auto loans, credit cards, online and mobile banking, SBA small-business loans, cash management, CDARS/ICS deposit services, affordable housing lending, a Green Lending Program for commercial real estate, and specialized nonprofit and B Corp banking.

The technology platform centers on a digital banking stack: an iOS and Android mobile app, a web-based online banking portal, an Impact Deposit Calculator that maps customer deposits to loan categories, and CDARS/ICS services that extend FDIC coverage beyond standard limits. Distribution combines physical branches in Oakland (headquarters), Fresno, Porterville, and Seattle with self-serve digital channels and dedicated relationship managers for business and nonprofit customers.

The business model is a traditional community-bank net-interest-income franchise augmented by transaction fees and service charges. Revenue is generated from the spread between interest earned on loans (affordable housing, small business, environmental, auto) and interest paid on deposits, plus fee income from cash management, deposit services, and credit products. Strategic differentiation rests on the bank's regulatory designations — CDFI certification, SBA Preferred Lender status, B Corp certification, UNEP FI signatory status, and Bank.Green Fossil Free certification — and a stated $0 lending exposure to private prisons, fossil fuels, fracking, and weapons manufacturing. Reported 2025 loan originations total approximately $165.5MM ($86.8MM affordable housing, $47.7MM small business, $16.5MM health & social services, $14.5MM environmental).

Customer concentration is diversified across individual consumers, small businesses, nonprofits and foundations, affordable housing developers, green/environmental enterprises, and B Corp certified entities, with no single named customer disclosed. Note on source integrity: there is an unresolved mismatch in the input between firmographic identity (Albina Community Bank, Oakland, founded 1995, albinabank.com) and detailed operating data (Beneficial State Bank, founded 2007, beneficialstatebank.com); the analysis above draws from the richer Beneficial State Bank record while preserving the Albina Community Bank identification requested.

Name

Albina Community Bank

Legal name

Beneficial State Bank

Website

https://albinabank.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Albina Community Bank is a privately held, mission-driven community bank headquartered in Oakland, California, serving individual consumers, small businesses, nonprofits, B Corps, and affordable housing and environmental developers through branches in Oakland, Fresno, Porterville, and Seattle, with a digital banking platform.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (522110), Consumer Lending (522291)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141), State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Community banking
• Small business lending
• Nonprofit banking services
• Consumer deposit accounts
• Ethical banking lending

Headquarters

HQ city

Oakland

HQ country

United States

HQ region

North America

Offices4 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. Net Interest Income: Traditional banking revenue generated from the spread between interest earned on loans (including affordable housing, small business, environmental, and auto loans) and interest paid on deposits. Core revenue driver for the bank.
2. Deposit Services: Fees and services related to checking and savings account maintenance, overdraft protection, and related banking services
3. Credit Products: Revenue from credit cards, personal and business credit lines, and other credit facilities

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Albina Community Bank provides retail and commercial banking products, including checking and savings accounts, auto loans, credit cards, and digital banking for individuals, plus business checking/savings, SBA loans, cash management, and specialized nonprofit and affordable-housing lending. Distribution is via branch offices, web banking, and a mobile app.

Product overview

Beneficial State Bank is a values-based, ethical banking institution offering a unified suite of personal, business, and nonprofit banking products. The core offerings include personal banking services (checking, savings, auto loans, credit cards), business banking (checking, savings, lending, cash management), and specialized nonprofit banking. The bank differentiates through mission-driven lending programs including Affordable Housing, Green Lending for commercial real estate, and Small Business/SBA loans. A mobile banking app provides on-the-go access. The bank positions itself around "Beneficial Banking" principles, providing transparency on loan mission purpose and impact metrics.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Free personal checking accounts with no monthly maintenance fees for individual retail banking customers.
• Personal Savings Accounts Savings accounts that allow individual customers to earn interest on deposits, aligned with the bank's ethical lending mission.
• Auto Loans Auto loan financing for individual consumers purchasing vehicles.
• Personal Credit Cards Personal credit cards positioned as environmentally responsible consumer credit products.
• Financial Wellness Program Financial wellness resources and education for individual banking customers.
• Business Checking Accounts Business checking accounts for small businesses, B Corps, and other commercial customers.
• Business Savings Accounts Savings accounts for businesses and nonprofits to hold deposit balances.
• Commercial Lending Commercial lending products for businesses, including affordable housing, green, and small business/SBA loans.
• Small Business and SBA Loans Small business loans including SBA loan products under the bank's SBA Preferred Lender status.
• Affordable Housing Lending Lending program focused on financing affordable housing development and preservation.
• Green Lending Program (Commercial Real Estate) Commercial real estate lending program supporting environmentally sustainable and green building initiatives.
• Business Credit Cards Business credit cards for commercial and nonprofit customers.
• Online Cash Management Online cash management tools for business customers to manage liquidity and financial operations.
• CDARS and ICS Deposit Services CDARS and ICS deposit sweep services providing FDIC insurance coverage above the standard deposit limit for business cash management.
• Nonprofit Banking Specialized banking services for nonprofit organizations and 501(c)(3) entities, including tailored offerings for community groups and larger organizations.
• Mobile Banking App Mobile banking application available on iOS and Android platforms enabling customers to manage accounts, conduct transactions, and access banking services on the go.
• Impact Deposit Calculator Interactive tool that allows customers to calculate the positive social and environmental impact of their deposits based on loan mission purpose.

Quantifiable outcome

• $86.8MM in affordable housing loans, $47.7MM in small business loans, $16.5MM in health & social services, $14.5MM in environmental loans (2025 originations)
• +1 more outcomes

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Global Alliance for Banking on Values (GABV)coreStrategic or Co-development PartnerMembership in the international network of banks focused on delivering financial, social, and environmental sustainability. GABV provides platform for sharing best practices and credibility in values-based banking sector.
• United Nations Environment Programme Finance Initiative (UNEP FI)coreStrategic or Co-development PartnerSignatory to UNEP Principles for Responsible Banking, committing to strategic alignment with UN Sustainable Development Goals and Paris Climate Agreement objectives.
• Bank.GreenminorStrategic or Co-development PartnerIndependent certification organization that assesses and certifies banks on their fossil fuel exposure. Bank.Green Fossil Free Certification confirms Beneficial State Bank has zero fossil fuel lending.
• U.S. Small Business Administration (SBA)coreStrategic or Co-development PartnerSBA Preferred Lender status enables streamlined processing of SBA 7(a) and other small business loans, expanding access to capital for small business customers.
• B LabcoreStrategic or Co-development PartnerB Lab certifies the bank as a B Corporation, providing third-party verification of social and environmental performance standards and accountability requirements.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• MUFG Union Bank (now U.S. Bank branches in CA/WA): U.S. Bank (including the former Union Bank branches in California and the Pacific Northwest) is the dominant federally regulated commercial banking incumbent in Beneficial's core geographies. It competes with Beneficial across consumer deposits, small business banking, and SBA lending, representing the incumbent alternative customers compare against.
• Chime Financial, Inc. Chime is a large digital-first consumer banking platform competing for the same retail deposit and personal-banking customers as Beneficial State Bank's personal banking vertical, particularly younger, mobile-first consumers. It represents the leading neobank competition threat against Beneficial's consumer checking and savings franchise.
• Pacific Premier Bank: Pacific Premier is a larger publicly traded commercial bank serving small-to-middle-market businesses and consumers across the Western U.S., with strong SBA and commercial real estate franchises. It competes against Beneficial State Bank for small-business, nonprofit, and commercial real estate depositors in the same core geographies (California/Washington).

Regional players

• Coastal Community Bank: Coastal Community Bank is a Pacific Northwest community bank focused on small business, nonprofit, and ESG-aligned depositors with SBA lending programs and digital banking. It is a regional comparable serving overlapping geography (Washington state) and similar SMB/nonprofit segments, though not explicitly values-exclusive.

Direct peers

• Self-Help Federal Credit Union: Self-Help operates a federally chartered CDFI credit union with deep focus on affordable housing and community development lending across the U.S., with deposit and lending products serving low- and moderate-income customers. It is a direct comparable on CDFI certification, geographic footprint adjacency (Pacific Northwest), and mission-aligned lending mix.
• Amalgamated Bank: Amalgamated Bank is a B Corp certified, union-owned commercial bank that explicitly excludes fossil fuel, private prison, and weapons lending, with strong nonprofit and progressive-institution client bases. It is the closest publicly visible peer on the values-based full-service banking axis (deposits + lending + nonprofit specialization) and competes for the same mission-driven deposit pool.
• Aspiration Financial, Inc. Aspiration is a values-based digital banking and wealth platform founded with explicit fossil-fuel-free and "do well, do good" branding, offering retail deposit products and impact tracking. It directly mirrors Beneficial State Bank's ethical-banking positioning and ecosystem-membership narrative, but competes primarily through a digital/fintech GTM rather than branches.
• City First Bank, N.A. (City First Enterprises): City First is a CDFI-certified community development bank serving underbanked communities in Washington D.C., Maryland, and Illinois with comparable focus on affordable housing, small business, and nonprofit lending. It mirrors Beneficial State Bank's CDFI-led, mission-aligned commercial and consumer banking model head-to-head.

Others

• RSF Social Finance (RSF Finance): RSF Social Finance is a mission-aligned financial intermediary providing loans, grants, and integrated capital to social enterprises and nonprofits across food, education, and environmental sectors. While not a banking competitor, it shares Beneficial State Bank's values-based ecosystem and overlaps on the lending side to similar borrowers, making it an ecosystem/thematic comparable.

Emerging players

• Greenwood (Greenwood Bank): Greenwood is a Black-founded digital bank built around social-impact values, mobile-first deposit accounts, and explicit support for Black and Latino communities. It is comparable as an emerging values-based / community-focused deposit franchise, though it operates purely digital (no branch model) and overlaps with Beneficial's consumer/mobile offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks4 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCGdntF9H3dYA8g4I9D6CmIg
• Facebookfacebook.com/159165327432334
• LinkedInlinkedin.com/company/albina-community-bank
• Instagraminstagram.com/beneficialstate

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Albina Community Bank