Message from the CEO

“A simple but effective formula larger banks sometimes ignore is delivering on the fundamentals of high-quality, high-touch business banking.”

A Message from Charles O. Hall, Chief Executive Officer

AltaPacific Bank is a spirited organization with an empowered culture that encourages our team members to design banking solutions that are tailored to our customers' needs. Our bankers are well established in the communities we serve and are regarded as experienced professionals who deliver banking services to each customer's place of business. This relationship-centric brand of banking makes us an ideal solution for business owners, entrepreneurs and professionals who value the benefits of a community bank. This includes our commitment to being an entrusted business partner and advisor. We believe that our ability to consistently deliver on this promise contributes to your success and gives us a significant competitive advantage over other financial institutions.

The dedication to our service philosophy is supported by a history of achievement in the community banking industry. Our management team has significant years of experience in navigating through severe economic cycles and is committed to uphold pristine standards of financial strength and stability. The Bank's total risk-based capital ratio substantially exceeds the 10% capital requirement for a well capitalized institution and continues to be among the highest of any commercial bank operating in California. I encourage you to visit the "News and Press" section of our website to review our most recent financial information.

As a community bank with momentum, we continually seek initiatives to add franchise value for our customers, shareholders and team members. Our deposit and cash management services are complemented by an array of lending services including Small Business Administration (SBA) loans in which we are designated as a SBA Preferred Lender (PLP). These products and services are designed to support our customers' success which, in turn, contributes to the success of our organization and strengthens our foundation for future growth opportunities.

We believe that the dynamics of a successful community bank include financial strength, stability, flexible solutions and service delivered by talented people who are responsive to customers' needs. We appreciate the opportunity to be of service and thank you for your interest in AltaPacific Bank.

Charles O. Hall 
Chief Executive Officer