California Business Bank

What California Business Bank does

California Business Bank (CBB) is a commercial bank headquartered in Irvine, California, operating as a Minority Owned Depository Institution (FDIC Certificate 58037) and publicly traded on the OTC Bulletin Board under ticker CABB. Founded approximately 15 years ago, the bank serves small businesses, entrepreneurs, medical professionals, HOAs, insurance agents, and individual consumers across Orange County and Southern California. Its primary revenue streams are net interest income on SBA loans, commercial and industrial loans, commercial real estate loans, and business lines of credit, supplemented by deposit account fees and cash management services.

The bank's product platform spans deposit products (Essential and Elite Business Checking, Business Money Market, Business CDs, and the MyCBB personal banking platform), lending products (SBA 7(a) and 504, commercial and industrial, commercial real estate with up to 80% LTV and 30-year amortization, and revolving lines of credit), and the differentiated Virtual Vault Smart Safe cash-management service with armored courier integration and next-business-day credit. Delivery combines a "Bankers in the Field" relationship model — where bankers visit customers at their place of business — with digital self-service through iOS, Android, iPad, and Kindle Fire mobile apps, online applications, and IntraFi Cash Service network integration for extended FDIC coverage.

CBB's go-to-market is sales-led and community-engagement driven, anchored by Irvine Chamber of Commerce membership, SBA and SBDC-OC partnerships, and specialized relationship banking for niche SMB segments. The bank generated no disclosed revenue or funding events in the available data and operates with a headcount of 11–50 employees, consistent with a small community bank serving a single regional market. Leadership transitioned in June 2023 with the appointment of Thomas Meyer as President & CEO, who brought over 40 years of community banking experience from 1st Capital Bank, Fullerton Community Bank, and Bank of America.

Name

California Business Bank

Legal name

California Business Bank

Website

https://californiabusinessbank.com

Company type

Public

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

California Business Bank is an Irvine, California-based community bank and Minority Owned Depository Institution that provides SBA loans, commercial lending, business deposit accounts, and Virtual Vault cash-management services to small businesses, entrepreneurs, medical professionals, HOAs, and individual consumers across Orange County and Southern California.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Commercial banking services
• SBA loan programs
• Small business lending
• Cash management solutions
• Community banking

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Primary revenue from interest earned on commercial loans, SBA loans, commercial real estate loans, and business lines of credit. Loan products include working capital loans, real estate purchase loans, and business expansion loans.
2. Deposit Account Fees and Services: Fees from business and personal deposit accounts including checking, money market, and CD accounts. Interest paid to depositors, with revenue generated from spread on loans vs deposits.
3. Virtual Vault Cash Management Services: Revenue from smart safe cash management solutions for cash-intensive businesses, including safe rental/purchase, armored courier services, and cash handling fees.
4. SBA and Commercial Lending Fees: Fees from SBA 7a and 504 loan programs, commercial and industrial loans, and letters of credit.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

California Business Bank is a commercial bank providing SBA loans, commercial and industrial loans, commercial real estate loans, business lines of credit, and letters of credit to small and mid-sized businesses in Southern California. It also offers business deposit products (checking, money market, CDs), the Virtual Vault Smart Safe cash management solution for cash-intensive businesses, personal banking through the MyCBB digital platform, and access to IntraFi Cash Service for extended FDIC coverage.

Product overview

California Business Bank operates as a unified platform combining traditional community banking services with modern digital delivery. The core offering centers on business and commercial banking products including SBA Loans, Commercial & Industrial Loans, and Commercial Real Estate Loans, complemented by deposit products (Business Checking, Business Money Market, Business CDs) and the distinctive Virtual Vault Smart Safe for cash-intensive businesses. Personal banking is served through the MyCBB digital platform. The bank participates in the IntraFi Cash Service network for expanded FDIC coverage and offers specialized products for entrepreneurs, medical professionals, and HOA communities. Mobile and online banking provides 24/7 access with features including mobile check deposit and bill pay.

Differentiator

Problem solved

Functional benefit

Brands

• MyCBB: Personal banking platform providing online and mobile banking, mobile deposit, bill pay, checking accounts, money market accounts, and CD accounts for individual customers.

Products and services

• SBA Loans

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Five partnerships are on record, tiered notable, core and minor.

• B GenerousnotableStrategic or Co-development Partner · 18 March 2026B Generous is a nonprofit lending marketplace fintech that has facilitated $100 million in loans since its launch two years ago by connecting nonprofits to lenders. California Business Bank acts as one of the lenders in the B Generous network, participating in the nonprofit lending sector which holds $14 trillion in assets and generates $4 trillion in annual revenue.
• IntraFi LLCcoreTechnology or IntegrationIntraFi Cash Service (ICS) enables California Business Bank to offer customers access to millions in aggregate FDIC insurance across network banks through a single relationship. This partnership extends FDIC coverage beyond standard $250,000 limits for depositors needing enhanced protection.
• Small Business Development Corporation of Orange County (SBDC-OC)coreStrategic or Co-development PartnerCalifornia Business Bank utilizes SBDC-OC along with SBA programs to provide loan enhancement and support for small business lending. SBDC-OC operates under California's State Loan Guarantee Program and provides funds for tenant improvements, business acquisition, equipment, bridge financing, construction, and real estate acquisition.
• Irvine Chamber of CommerceminorGTM or Marketing PartnerCalifornia Business Bank joined the Irvine Chamber of Commerce in December 2017 to increase participation in communities served and create opportunities for the bank to help local businesses thrive and succeed.
• Risk Management AssociationminorGTM or Marketing PartnerCalifornia Business Bank is a Platinum sponsor for the annual Risk Management Association Holiday Party, demonstrating commitment to the banking industry professional community.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• 1st Capital Bank: California community bank that was previously led by CBB's current CEO Thomas Meyer (2015-2020). Comparable in scale, geography (California-based), and small-to-mid business banking focus, making it the closest direct peer for benchmarking operations and strategy.
• Pacific Enterprise Bancorp: Southern California community bank providing SBA lending, business banking, and commercial real estate loans to small businesses. Directly comparable in product mix, geographic footprint, and target customer segments to California Business Bank.
• American Business Bank: Los Angeles-based community bank specializing in commercial banking for small and middle-market businesses. Similar focus on relationship banking, commercial/SBA lending, and Orange County / Southern California market overlap with CBB.
• Bank of Southern California: San Diego-headquartered community bank serving small and middle-market businesses across Southern California with SBA loans, commercial real estate financing, and treasury management. Comparable scale and product mix with significant geographic overlap.

Broad incumbents

• East West Bank: Major Asian-American community bank with deep Southern California presence providing commercial, SBA, and small business banking. CBB's minority-owned designation positions it in overlapping multicultural business segments; Jessica Lee began her career here.
• Pacific Premier Bancorp: Larger Southern California-headquartered community bank offering commercial banking, SBA lending, and treasury management to small and middle-market businesses. While broader and larger than CBB, it competes for the same Southern California small-business relationships.
• First Foundation Bank: California-based bank providing commercial banking, SBA loans, and wealth management to small businesses and professionals in Southern California. Overlaps with CBB in medical professional lending niche and Irvine market.
• Citizens Business Bank (CVB Financial): One of the largest California community banks serving small and mid-sized businesses with commercial loans, SBA lending, and treasury management across Southern California. A scaled incumbent with overlapping product set and target market.

Regional players

• Provident Financial Holdings: Inland Empire-based community bank providing commercial real estate lending and small business banking. Comparable in scale and SBA lending focus, with geographic proximity but distinct market presence from CBB.
• Heritage Commerce Corp: Northern California-focused community bank holding company providing SBA loans, commercial banking, and small business services. Comparable business model and SBA lending focus, but operates primarily in the Bay Area rather than Southern California.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/calbusbank
• Facebookfacebook.com/597576500265190

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 California Business Bank