Pbco Financial Corp. (PBCO)

Overview

PBCO Financial Corporation serves as the bank holding company for People's Bank of Commerce, a provider of commercial banking services catering to both business entities and individual customers primarily located in Southern Oregon. Established in 1998 and headquartered in Medford, Oregon, PBCO has expanded its footprint to several key locations across the region, including Albany, Medford, Ashland, Central Point, Grants Pass, Klamath Falls, Lebanon, and Salem. The organization specializes in a wide range of financial products and services aimed at addressing the diverse banking needs of its clientele.

Products and Services

• Checking and Savings Accounts

  PBCO offers a variety of checking and savings accounts designed to meet the differing needs of its customers, ranging from basic to more feature-rich options.

• Home Loans and Home Equity Lines of Credit

  The institution provides comprehensive mortgage solutions, including home loans for purchases and refinancing, as well as home equity lines of credit for homeowners looking to leverage the equity in their homes.

• Consumer Loans and Credit Lines

  A range of consumer loan options is available, including personal loans, lines of credit, auto loans, recreational vehicle and boat loans, and loans for home lots and construction projects, catering to various personal financing needs.

• Commercial Loans and Lines of Credit

  PBCO furnishes business customers with a selection of commercial lending options tailored to support business growth, operational needs, and capital investment, including specialized lines of credit.

• Small Business - SBA/Government Loans

  Small businesses can benefit from the bank's expertise in securing Small Business Administration (SBA) and other government-backed loans, providing essential funding for startups, expansions, and operational needs.

• Treasury Management and Ebanking Services

  Offering sophisticated treasury management and ebanking solutions, PBCO aids businesses in managing their finances effectively, ensuring efficient operations through online banking, mobile banking, and other digital services.

• PPP Loan Forgiveness Services

  In response to the COVID-19 pandemic, PBCO provides services to assist businesses with obtaining forgiveness for loans acquired through the Paycheck Protection Program (PPP), easing the financial burden faced by its customers.

• Debit Cards

  Customers are issued debit cards for convenient access to their funds, enabling secure and easy transactions both locally and nationally.