California is known as the Golden State and, for the Capitol Bancorp Limited banks
in the California Region, this is an appropriate description. The Region consists
of eight banks located from San Diego in the south to Yuba City in the north. With
bank locations from Palm Desert to Santa Barbara to San Francisco and the Napa Valley,
the uniqueness of California is evident in each of the California Region banks.
The various markets served by our banks all have their own opportunities and challenges.
Each bank enjoys the strength of the markets they serve, as illustrated by wine
industry financing in Napa, sportfishing industry financing in Point Loma, crop
financing for almond and peach farmers in Yuba City, and traditional community bank
lending in Escondido. We serve metropolitan areas in San Diego and San Francisco
where our banks provide working capital lines of credit and commercial real estate
loans to professionals and entrepreneurs. Finally, our banks in beautiful Santa
Barbara and the resort community of Palm Desert offer marketspecific products to
clients in hospitality, medical and real estate-related industries.
The strength of the California Region can be found in its geographic and economic
diversity as exemplified by each bank.