Pacific State Bancorp (PSBC) Research

Pacific State Bancorp serves as the holding company for Pacific State Bank, which delivers a full spectrum of commercial banking services to individuals and small-to-middle-market businesses throughout California. The bank offers diverse deposit products, including checking and savings accounts, individual retirement accounts, and various time deposits like certificates of deposit. Its lending portfolio features commercial, construction, agricultural, and real estate loans, alongside personal credit lines. In addition to these core services, the company provides numerous specialized offerings. These encompass U.S. Savings bond services, domestic and foreign drafts, scheduled banking appointments, automatic fund transfers, and business courier services. They also facilitate domestic letters of credit, function as a depository for MasterCard and Visa transactions, and offer federal depository services. Clients can utilize cash management assistance, wire and telephone transfers, and courier services for non-cash deposits. The bank further extends Visa and MasterCard credit cards, offers revolving lines of credit secured by residential deeds of trust, provides unsecured overdraft protection linked to checking accounts, and issues ATM and MasterMoney debit cards. Founded in 2002, the company's base of operations and administrative office are located in Stockton, California. It also maintains branch offices in Angels Camp, Arnold, Groveland, Lodi, Modesto, Stockton, Tracy, and Hayward, all within California.

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