first national bank southern california

First National Bank of Southern California Main Office · 3727 Arlington Avenue, Riverside, California 92506 · (951) 788-2265. Company & executive profile of First National Bank of Southern California in Riverside, CA with phone (951) 788-2265 & web NAICS code 5221. Southern California is home to a strong and growing business community made up of We offer all of the products and services of a large national bank.

First national bank southern california -

Fax: 760.771.9548
Branch Service Manager: Angela Henderson


Office Hours: 9am - 5pm, Monday through Friday - ATM Available
1315 Main Street Ramona, CA 92065
Phone: 760.788.8788 Fax: 619.849.5760
Branch Service Manager: Jennifer Barraza


Office Hours: 9am - 5pm, Monday through Friday
16255 Ventura Blvd., Ste 1100, Encino, CA 91436
Phone: (818) 933-7960
Branch Service Manager Kenny Harris


Office Hours: 9am - 5pm, Monday through Friday
801 N. Brand Blvd., Suite 185, Glendale, CA 91203
Phone: 818.637.7000 Fax: 760.789.5576
Branch Service Manager: Patricia Bell

Rancho Mirage

Office Hours: 9am - 5pm, Monday through Friday - ATM Available
40101 Monterey Avenue, #H, Rancho Mirage, CA 92270
Phone: 760.834.6600

First National Bank of Southern California Overview

  • Status
  • Acquired/​Merged

First National Bank of Southern California General Information


Operator of nationally chartered commercial bank. The company provides banking services to small businesses.

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First National Bank of Southern California Valuation & Funding

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First National Bank of Southern California Comparisons



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First National Bank of Southern California

Operator of nationally chartered commercial bank. The company provides banking services to small businesses.

National Banks

Riverside, CA



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First National Bank of Southern California Competitors (5)

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East West BankingCorporationTaguig City, Philippines0000000.0000000000000
0000000 000000000CorporationBirmingham, AL00000000000 - 000
000000 0000CorporationLos Angeles, CA0000
0000 00 000 000000Corporate Backed or AcquiredSan Francisco, CA0000000000
00000000 000000 00Formerly PE-BackedAnniston, AL000000.0000000000000.00
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First National Bank of Southern California Former Investors

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First National Bank of Southern California to Buy First Mountain for $14.1M

First National Bank of Southern California, with four of its five branches in San Diego County and $177 million in total assets, agreed to buy First Mountain Bank for $14.1 million in cash, FNBSC announced.

First Mountain, based in Big Bear Lake, has $134 million in assets.

The agreed on purchase price is $9 per share, but that could change if First Mountain Bank’s shareholders equity falls below $12.175 million by the time the transaction closes, expected sometime in the third quarter.

The deal was approved by both banks’ boards of directors, and it still requires approval from shareholders and regulators.

Assuming the transaction is OK’d by regulators and the acquired banks’ shareholders, FNBSC would have about $300 million in assets and eight branches, none of which overlap.

FNBSC was acquired by an Encinitas-based group of private investors in December for an undisclosed price. The bank, which has gone through a few mergers in the last two decades, has been operating under a formal agreement with the U.S. Office of the Comptroller of the Currency since 2010.

FNBSC has offices in Carlsbad, Fallbrook, Lake San Marcos, Vista and Riverside. It reported a net loss of $588,000 in 2013, while First Mountain Bank reported a net profit of $687,000 for the same year.


It looked like business as usual when a woman with a child walked up to the front door of the First National Bank branch at 4950 W. Flamingo Road about 5 p.m. Friday.

The door was already locked, and she walked away having come about a minute too late, probably unaware that First National had closed for good.

The bank’s five Las Vegas branches, however, will open Monday under a new banner: Mutual of Omaha Bank.

The Omaha, Neb.-based insurance company is buying First National Bank of Nevada, which was placed under federal receivership late Friday, the first Nevada-based bank to be seized in 18 years.

Mutual of Omaha will assume the $3 billion in deposits at First National and an affiliated institution, First Heritage Bank of Newport Beach, Calif., Federal Deposit Insurance Corp. officials announced Friday evening. Mutual of Omaha also will acquire some of the banks’ assets in the deal.

The sale means that all of First National’s depositors — even those with uninsured deposits exceeding the FDIC’s $100,000 limit — will avoid any losses.

Customers will be able to access their checking accounts, debit cards and automated teller machines this weekend and will be able to withdraw money from tellers on Monday. Yet customers need not do so, said David Barr, a spokesman for the Federal Deposit Insurance Corp.

“Their deposits will continue to remain insured by the FDIC,” Barr said. “There really is no need for customers to do anything. They should look at it as business as usual and as just a change of ownership.”

Jim Nolan, a spokesman for Mutual of Omaha Bank, agreed.

“We think it’s a good news story for the depositors of the bank. Not a penny will be lost,” he said.

Mutual of Omaha, a 99-year-old member-owned insurance company, entered the banking business in January 2007. It had $800 million in assets and branches in Nebraska and Colorado only, prior to acquiring First National.

The company wants to expand its banking operations into areas with high growth, particularly those where it has strong name recognition and many insurance clients, Nolan said.

Nevada, Arizona and Southern California fit that description, he said. The bank will serve both consumers and business customers.

Some analysts had expressed fears that numerous homeowner associations with more than $100,000 on deposit at First National, would lose money with the shut down. The bank holding company provided services to homeowner associations around the country and counted on homeowner associations for $1.2 billion of its $3 billion in deposits.

Local banking officials Friday evening welcomed the way FDIC officials handled the First National shutdown and sale.

Because all deposits are being assumed by Mutual of Omaha, “there is no financial destruction to the local community, and we are very lucky the FDIC approached it that way,” said Bill Martin, CEO of Service1st Bank and a former federal bank regulator.

The Nevada Financial Institutions Division made the first announcement of First National’s closing Friday night, but federal regulators bore full responsibility for oversight at the bank because of its national charter. The FDIC said the closing will cost the government’s insurance fund $862 million.

First National Bank is the fifth bank and the biggest bank to fail in Nevada since the Great Depression. Frontier Savings, which had $247 million in deposits, was seized in 1990. The other failures were Great West Bank and Mineral Bank, both of Las Vegas, and Sierra Savings & Loan of Gardnerville.

Ray Lamb owned First National, which was known as Laughlin National Bank in 1998 when he acquired it. The bank is not related to another First National Bank in Nevada that operated here several years earlier.

First National’s closure is the seventh FDIC-insured bank to have been shut down this year. The most recent and largest closure occurred earlier this month when the FDIC seized IndyMac Bank of California.

First National often took a nontraditional approach to banking. For a while, it operated branches in Wal-Mart stores. Now, it has 25 branches around Nevada and Arizona, and none is located in the discount stores.

The bank was active in making home mortgage loans, ranging from subprime to prime, during the housing boom of the early 2000s. It also made construction and land loans. Bankers described those as high-risk niches, which produced big profits that turned to losses with the Southern Nevada real estate bust.

At the end of March, First National Bank reported 11 percent of its loans were past due. The bank reported a $140 million first-quarter loss. The bank had been trying to raise $200 million in additional capital, but reported that was difficult to do.

The Office of the Comptroller of the Currency, which regulates national banks, said that First National was undercapitalized and had dissipated its assets “due to unsafe and unsound practices.”

“In reality, most financial institutions (in Nevada) are pretty sound,” said Robert Sarver, chairman and CEO of Western Alliance Bancorporation, which operates Bank of Nevada.

Western Alliance was an unsuccessful bidder for First National, but Sarver said he hopes to buy other struggling banks with FDIC assistance.

Contact reporter John G. Edwards at [email protected] or 702-383-0420.


First National Bank of Coffee County, Douglas, GA

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Fax: 858.847.4701
Branch Service Manager: Therese Green

Downtown San Diego

Office Hours: 9am - 5pm, Monday through Friday
1620 5th Avenue, Suite 120, San Diego, CA 92101
Phone: 619.849.5741 Fax: 949-666-5428
Branch Managing Director: Mike Conte

Santa Clarita

Office Hours: 9am - 5pm, Monday through Friday
23780 Magic Mountain Pkwy, Santa Clarita, CA 91355
Phone: (661) 362-6000
Branch Managing Director: Brenda Neilson

West LA

Office Hours: 9am - 5pm, Monday through Friday
1640 S. First national bank southern california Blvd., Suite 130, Los Angeles, CA 90025
Phone: 310.627.5601
Branch Service Manager: Mouzone Boulden

Westlake Village

Office Hours: Opening Third Quarter 2021
875 S. Westlake Blvd., Suite 101, Westlake Village, CA 91361
Phone: 805.915.4590
Branch Service Manager Rodrigo Perez

Learn more about Bank of Southern California and how we can help you or your business succeed.

Contact Us Now

Banking Regulator

Office of the Comptroller of Currency  Fax: 760.834.6620
Branch Service Manager: Alma Guajardo

Rancho Santa Margarita

Office Hours: 9am - 5pm, Monday through Friday - ATM Available
22342 Avenida Empresa, Suite 101A, Rancho Santa Margarita, CA 92688
Phone: 949.766.3015

About Us

A growing community commercial bank, established in 2001, Bank of Southern California, with headquarters in San Diego, CA, is locally owned and managed and offers a wide range of financial products to individuals, professionals, and small-to-medium sized businesses.

Southern California is home to a strong and growing business community made up of private companies and the successful entrepreneurs who run them. We celebrate this entrepreneurial spirit and are committed to providing our local businesses with the personalized banking solutions that they need to achieve their goals.

  • Knowledgeable, Experienced Team

    Selected for their expertise, commitment, and professionalism, our team of professional bankers know Southern California business and can assist natures metropolis chicago and the great west with all of your banking needs.

  • Personal Service

    You work one-on-one with a personal banker, who is your point of contact and 100% dedicated to providing you with unparalleled service to streamline your banking experience and make your life easier.

  • Customized Solutions

    We offer all of the products and services of a large national bank, but as a local community bank, we can provide the added flexibility and creativity that guarantees the customized financial solutions that you need.

  • Responsive

    We know that time is your most precious commodity. When you have a question, concern, or need financial advice, we are ready to help and will always respond quickly and efficiently.

  • Financial Security

    As a well-capitalized bank in Southern California, you can rest assured that your money is safe and that we are protecting your financial interests.

  • Growing Strong

    In the past seven years, we acquired offices from Americas United Bank, Palm Desert National Bank, Mizuho Bank of California, AmericanWest Bank, El Paseo Bank, and Opus Bank. We currently operate eleven branches and continue to first national bank southern california for opportunities to expand our presence throughout the Southern California market.

What our clients are saying…

“I really appreciate the personal service and accommodating attitude of its employees, who can you send money on zelle with a credit card polite and professional without exception.”

“Their customer service exceeds anything I have ever experienced in my 40-year work career.”

“You are first national bank southern california a great JOB of total relationship banking, both business and personal.”

“The staff goes out of their way to make my first national bank southern california easy!”

“All my issues and concerns are always taken care of and First national bank southern california feel like they care about me as a customer.”

“In time of great need I was provided service, effort, and courtesy unprecedented in my experience with some other financial institutions.”

“Bank of Southern California has provided all of the services that we were looking for. Customer service is great and the staff is wonderful to work with.”

“I am extremely impressed with how quickly you processed our loans and how smoothly the signing was handled.”


  • Carlsbad

  • Del Mar

  • Downtown San Diego

  • Encino

  • Glendale

  • Irvine

  • La Quinta

  • Ramona

  • Rancho Mirage

  • Rancho Santa Margarita

  • Santa Clarita

  • West LA

  • Westlake Village


Office Hours: 9am - 5pm, Monday through Friday
3142 Tiger Run Court, Suite 107, Carlsbad, CA 92010
Phone: 760.599.7044

CRA Performance Evaluations: July 2021

23202The Malvern National BankMalvernAR04/19/2021SatisfactoryIntermediate Small Bank24100Bank of Southern California, National AssociationSan DiegoCA03/15/2021SatisfactoryIntermediate Small Bank708089Malaga Bank F.S.B.Palos Verdes PeninsulaCA04/12/2021OutstandingIntermediate Small Bank5629FCN Bank, National AssociationBrookvilleIN04/26/2021OutstandingIntermediate Small Bank23850Capital Bank, National AssociationRockvilleMD03/01/2021OutstandingIntermediate Small Bank3654The Farmers' National Bank of CanfieldCanfieldOH02/01/2021SatisfactoryLarge Bank23049Great Plains National BankElk CityOK04/01/2021SatisfactoryIntermediate Small Bank14252First National BankFort PierreSD02/08/2021SatisfactoryIntermediate Small Bank8624The First National Bank of FrederickFrederickSD03/01/2021SatisfactorySmall Bank14898Community National Bank & Trust of TexasCorsicanaTX03/22/2021SatisfactoryIntermediate Small Bank13675First National First national bank southern california of Bosque CountyValley MillsTX04/12/2021SatisfactorySmall Bank24640Texas Citizens Bank, National AssociationPasadenaTX03/29/2021SatisfactoryIntermediate Small Bank3989The City National Bank of Sulphur SpringsSulphur SpringsTX04/26/2021SatisfactoryIntermediate Small Bank12543The State National Bank of First national bank southern california SpringBig SpringTX02/22/2021SatisfactoryIntermediate Small Bank

Adams v. Southern California First National Bank

In Adams v. Southern California First National Bank, 492 F.2d 324 (9th Cir. 1973) the Court held that a private person's use of the self-help repossession provisions of the Uniform Commercial Code, as adopted by the state of California, did not amount to action 'under color' of state law, and that therefore a due process challenged to the repossession statutes failed to state a federal cause of action. 492 F.2d at 329. The opinion warned that '(s)tatutes and laws regulate many forms of purely private activity, such as contractual relations and first national bank southern california, and subjecting all behavior that conforms to state law to the Fourteenth Amendment would emasculate first national bank southern california state action concept.' 492 F.2d at 330--31. The existence of a state statute authorizing certain private action 'is not the final answer to the touchstone of state action.' 492 F.2d at 330. Equating the 'under color' requirement of 1983 with the state action requirement of the Fourteenth Amendment, Adams gauged the repossession activity by the 'significant state involvement' test derived from Burton v. Wilmington Parking Authority, 365 U.S. 715, 81 S.Ct. 856, 6 L.Ed.2d 45 (1961), and Moose Lodge No. 107 v. Irvis, 407 U.S. 163, 92 S.Ct. 1965, first national bank southern california L.Ed.2d 627 (1972). 492 F.2d at 330--31. Because the statute in Adams merely codified a right already present in the common law, 492 F.2d at 330, and because the right involved, arising from a written contract, was essentially 'a private remedy rather than a (delegated) state power,' 492 F.2d at 336, the involvement of the state in enacting the statute was found not significant. On the latter ground Hall v. Garson, supra, was distinguished; the authority exercised under the Texas landlord's lien statute was found to be of a type which 'was normally exercised by the First national bank southern california and had historically been a function of the State of Texas.' 492 F.2d at 336.

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4 Replies to “First national bank southern california”

  1. Sir branch transfer ke bad kya cif number change hota h ya nhi

  2. Good question, unfortunately there is no way to say for sure. Some card issuers will let you apply multiple times for the same card, others will not. i know those are technically 2 different cards. but Bank of America might not see it that way.

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