First National Bank of Southern California was created in November of 2007 by the merger of Inland Empire National Bank and First National Bank of North County. These two Banks, specializing in serving the needs of the business community, were both owned by Duke Financial Group, Inc., a multi bank holding company. The merger created a five office bank with $238 million in assets that serves an area stretching from Riverside California down to North San Diego County coastal area. Offices are currently located in Riverside, Fallbrook, Lake San Marcos, Vista and Carlsbad.
Inland Empire National bank was founded in 1984 by a group of Riverside businessmen to provide banking services to small businesses. The bank was purchased by Duke Financial Group, Inc. in October 1996. It had grown to $128 million in assets at the time of the merger.
First National Bank of North County was founded in June of 1981. Purchased in July of 1995 by Duke Financial Group, Inc. when it had approximately $37 million in assets, the bank grew to $110 million at the time of the merger.
First National Bank of Southern California takes great pride in providing the excellent customer service that only a small institution can offer, while delivering products you would expect from a much larger institution. We strive to be an excellent bank. Our corporate culture and decisions are driven by core values that contain key commitments to our customers, shareholders, employees and the communities we serve. We encourage and support our employee’s participation in the organizations that make a difference in our communities.
Our capital position is strong, well over the minimum regulatory guidelines to be classified as “well capitalized”. Our credit quality is something everyone in the Bank takes great pride in. The Bank has a very sound financial base.