Northern California Bancorp, Inc. operates through its subsidiary Monterey County Bank. The Monterey County Bank is engaged in business banking and is a small business administration lender in Monterey County. In addition, it offer commercial lending products, merchant credit card services, and personal attention to its clients. Monterey County Bank has four branches, such as Monterey, Pacific Grove, Carmel Rancho, and Salinas. It offers different types of deposit accounts, such as business accounts, personal accounts, certificate of deposit (CD) accounts and individual retirement accounts (IRAs). It provides permanent/long-term financing for purchase or refinancing of multi-family properties and commercial properties, and secured term loans to businesses for purchase, expansion or refinancing. It also provides merchant services.
NORTHERN CALIFORNIA BANCORP, INC. 
