Monterey County Bank, a wholly-owned subsidiary of Northern California Bancorp, Inc., provides retail and commercial banking products and services to individuals and small and medium-sized businesses in California. The company’s deposit products include personal and business checking accounts, savings accounts, money market investment accounts, certificates of deposit, and retirement accounts. Its lending products are business focused and include commercial real estate loans, commercial and industrial loans and small and medium-sized business lending. Monterey County Bank is the # 1 provider of SBA 7(A) Small Business Loans in Monterey County. The company also provides drive-through facilities, night depository facilities, safe deposit box facilities, cashiers’ checks, U.S. Savings Bonds, and wire transfers. As of December 31, 2017, it operated four branches located primarily on the Monterey Peninsula.