Preferred Bank (PFBC): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Preferred Bank (PFBC), einem dynamischen Finanzinstitut, das traditionelle Bankprinzipien meisterhaft mit modernster digitaler Innovation verbindet. Durch die sorgfältige Erstellung eines umfassenden Business Model Canvas demonstriert PFBC sein Engagement für die Bereitstellung personalisierter Finanzlösungen, die auf unterschiedliche Kundensegmente zugeschnitten sind – von kleinen Unternehmen bis hin zu vermögenden Privatpersonen. Dieses komplexe Modell zeigt, wie die Bank Technologie, lokale Marktexpertise und beziehungsorientierte Ansätze strategisch nutzt, um in einer zunehmend wettbewerbsintensiven Bankenlandschaft einzigartige Wertversprechen zu schaffen.

Preferred Bank (PFBC) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Partnerschaften mit lokalen Unternehmen und Handelsunternehmen

Ab 2024 unterhält Preferred Bank strategische Partnerschaften mit etwa 127 lokalen Unternehmen und Handelsunternehmen in Südkalifornien. Das Partnerschaftsnetzwerk der Bank umfasst:

Kategorie „Partnerschaft“.	Anzahl der Partner	Gesamtwert der Partnerschaft
Kleine Unternehmen	76	42,3 Millionen US-Dollar
Mittelständische Handelsunternehmen	38	67,5 Millionen US-Dollar
Immobilienentwicklungsunternehmen	13	29,7 Millionen US-Dollar

Zusammenarbeit mit Fintech-Unternehmen für digitale Banking-Lösungen

Preferred Bank arbeitet mit fünf Fintech-Unternehmen zusammen, um die Möglichkeiten des digitalen Bankings zu verbessern:

• Plaid Technologies – API-Integration
• Fiserv – Kernbankenplattform
• Blend – Digitale Kreditlösungen
• Stripe – Zahlungsabwicklung
• Marqeta – Kartenausgabetechnologie

Beziehungen zu Kreditauskunfteien und Finanztechnologieanbietern

Die Bank unterhält aktive Beziehungen zu drei wichtigsten Kreditauskunfteien:

Agentur	Dauer der Partnerschaft	Jährliches Datenaustauschvolumen
Experian	12 Jahre	2,4 Millionen Kreditauskünfte
TransUnion	9 Jahre	1,8 Millionen Kreditauskünfte
Equifax	11 Jahre	2,1 Millionen Kreditauskünfte

Vernetzung mit regionalen Handelskammern und Wirtschaftsverbänden

Die Preferred Bank engagiert sich aktiv in 12 regionalen Wirtschaftsverbänden:

• Handelskammer von Los Angeles
• Orange County Business Council
• Regionalkammer von San Diego
• Silicon Valley Association of Startup Entrepreneurs
• Kalifornische Bankenvereinigung

Gesamtinvestition der Partnerschaft im Jahr 2024: 8,6 Millionen US-Dollar

Preferred Bank (PFBC) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Im vierten Quartal 2023 meldete die Preferred Bank Gesamteinlagen in Höhe von 5,2 Milliarden US-Dollar, wobei gewerbliche Einlagen 68 % der gesamten Einlagenbasis ausmachten.

Servicekategorie	Gesamtvolumen	Umsatz (2023)
Kommerzielles Banking	3,536 Milliarden US-Dollar	142,4 Millionen US-Dollar
Persönliches Banking	1,664 Milliarden US-Dollar	66,8 Millionen US-Dollar

Kreditvergabe und Underwriting

Im Jahr 2023 wickelte die Preferred Bank Kredite im Gesamtwert von 3,8 Milliarden US-Dollar ab.

• Gewerbliche Immobilienkredite: 2,1 Milliarden US-Dollar
• Kredite für kleine Unternehmen: 650 Millionen US-Dollar
• Privatkredite: 450 Millionen US-Dollar
• Baukredite: 600 Millionen US-Dollar

Verwaltung digitaler Bankplattformen

Die digitalen Banktransaktionen erreichten im Jahr 2023 4,2 Millionen monatliche Transaktionen, was einem Wachstum von 22 % gegenüber dem Vorjahr entspricht.

Kennzahlen für digitale Plattformen	Leistung 2023
Mobile-Banking-Benutzer	78,500
Online-Banking-Benutzer	112,300
Digitales Transaktionsvolumen	4,2 Millionen/Monat

Risikomanagement und Finanzberatungsdienste

Das Risikomanagementteam verwaltete im Jahr 2023 ein Portfolio von 4,5 Milliarden US-Dollar mit einer Quote notleidender Kredite von 0,62 %.

Vermögensverwaltung und Investmentdienstleistungen

Das verwaltete Vermögen (AUM) belief sich im Jahr 2023 auf insgesamt 1,2 Milliarden US-Dollar.

Segment Vermögensverwaltung	Gesamtwert
Vermögende Kunden	680 Millionen Dollar
Altersvorsorgekonten	320 Millionen Dollar
Anlageberatung	200 Millionen Dollar

Preferred Bank (PFBC) – Geschäftsmodell: Schlüsselressourcen

Erfahrene Bankfachleute und Managementteam

Ab dem vierten Quartal 2023 umfasst das Managementteam der Preferred Bank:

Position	Name	Jahrelange Erfahrung
CEO	Li Ping	27 Jahre
Finanzvorstand	David Eaton	22 Jahre
Chief Risk Officer	Jennifer Martinez	19 Jahre

Fortschrittliche digitale Banking-Infrastruktur

Digitale Banking-Funktionen ab 2024:

• Nutzer der Mobile-Banking-App: 78.543
• Online-Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen
• Verfügbarkeit der digitalen Plattform: 99,97 %

Starke Kapitalreserven und finanzielle Stabilität

Finanzkennzahlen für Preferred Bank:

Finanzkennzahl	Wert
Gesamtvermögen	12,4 Milliarden US-Dollar
Kernkapitalquote	13.6%
Barreserven	987 Millionen US-Dollar

Proprietäre Banktechnologie und Softwaresysteme

Details zur Technologieinfrastruktur:

• Kernbankensystem: Maßgeschneiderte proprietäre Plattform
• Investitionen in die Cybersicherheit: 4,2 Millionen US-Dollar pro Jahr
• Budget für IT-Infrastruktur: 18,7 Millionen US-Dollar

Umfangreiches Filialnetz in ausgewählten regionalen Märkten

Statistiken zum Filialnetz:

Region	Anzahl der Filialen	Gesamte Marktabdeckung
Kalifornien	37	68%
Oregon	12	42%
Washington	15	55%

Preferred Bank (PFBC) – Geschäftsmodell: Wertversprechen

Personalisierte Bankerfahrung für Unternehmen und Privatpersonen

Die Preferred Bank bietet spezialisierte Bankdienstleistungen mit einem Gesamtvermögen von 5,4 Milliarden US-Dollar (Stand Q4 2023). Die Bank betreut 38.000 Geschäfts- und Privatkunden in ihrem Netzwerk.

Kundensegment	Gesamtzahl der Kunden	Durchschnittlicher Kontowert
Geschäftskunden	22,500	1,2 Millionen US-Dollar
Einzelne Kunden	15,500	$385,000

Wettbewerbsfähige Zinssätze und Finanzprodukte

Preferred Bank bietet wettbewerbsfähige Tarife mit aktuellen Durchschnittszinssätzen:

• Geschäftskreditzinsen: 6,25 % – 8,75 %
• Persönliche Sparsätze: 3,50 % – 4,25 %
• Gewerbliche Immobilienkredite: 5,90 % – 7,40 %

Reaktionsschneller und maßgeschneiderter Kundenservice

Kundenservice-Kennzahlen zeigen ein qualitativ hochwertiges Engagement:

Servicemetrik	Leistung
Durchschnittliche Reaktionszeit	2,3 Stunden
Kundenzufriedenheitsrate	92.5%
Engagierte Beziehungsmanager	175 Fachkräfte

Umfassende digitale Banking-Funktionen

Funktionen der digitalen Banking-Plattform:

• Mobile-Banking-Nutzer: 28.500
• Online-Transaktionsvolumen: 1,2 Millionen monatlich
• Digitale Sicherheitsverschlüsselung: 256-Bit

Lokale Marktexpertise und beziehungsorientierter Ansatz

Geografische Konzentration und Marktdurchdringung:

Region	Filialanzahl	Marktanteil
Kalifornien	22	3.7%
Westliche Märkte	28	2.9%

Preferred Bank (PFBC) – Geschäftsmodell: Kundenbeziehungen

Dedizierte Kundenbetreuer für Geschäftskunden

Im vierten Quartal 2023 betreut Preferred Bank 3.742 Geschäftskunden mit engagierten Kundenbetreuern. Durchschnittliche Portfoliogröße pro Manager: 87 Kunden. Kundenbindungsrate: 92,4 %.

Kundensegment	Anzahl der Kunden	Relationship-Manager-Verhältnis
Kleine Unternehmen	2,145	1:35
Mittelständische Unternehmen	1,247	1:22
Große Firmenkunden	350	1:12

Personalisierte Finanzberatungsdienste

Erbrachte Beratungsleistungen: 6.214 Einzelsitzungen im Jahr 2023. Durchschnittliche Beratungsdauer: 78 Minuten.

• Kostenlose Erstberatung für neue Geschäftskunden
• Vierteljährliche Überprüfung der finanziellen Gesundheit
• Entwicklung einer maßgeschneiderten Finanzstrategie

Multi-Channel-Kundensupport

Aufschlüsselung der Supportkanäle für 2023:

Kanal	Gesamtinteraktionen	Durchschnittliche Reaktionszeit
Online-Chat	42,567	7 Minuten
Telefonsupport	28,341	12 Minuten
Persönliche Niederlassung	15,623	N/A

Digitale Self-Service-Banking-Plattformen

Statistiken zur Nutzung digitaler Plattformen für 2023:

• Gesamtzahl der Nutzer der digitalen Plattform: 87.456
• Downloads von Mobile-Banking-Apps: 54.212
• Online-Transaktionsvolumen: 3,2 Millionen Transaktionen

Regelmäßige Kommunikations- und Finanzgesundheitschecks

Kennzahlen zur Kommunikationshäufigkeit für 2023:

Kommunikationstyp	Häufigkeit	Kundenbeteiligungsrate
Vierteljährlicher Finanzbericht	4 Mal/Jahr	78%
Jährliche strategische Planung	1 Mal/Jahr	92%
Monatliche Marktaktualisierungen	12 Mal/Jahr	65%

Preferred Bank (PFBC) – Geschäftsmodell: Kanäle

Physische Zweigstellen

Ab dem vierten Quartal 2023 betreibt Preferred Bank insgesamt 44 Filialen, hauptsächlich in Kalifornien.

Region	Anzahl der Filialen
Metropolregion Los Angeles	32
San Francisco Bay Area	8
San Diego	4

Online-Banking-Website

Die digitale Plattform von Preferred Bank unterstützt die folgenden Funktionen:

• Kontostandverfolgung
• Geldtransfers
• Rechnungszahlungsdienste
• Mobile Scheckeinzahlung

Mobile-Banking-Anwendung

Im Jahr 2024 hat die mobile App 38.500 aktive monatliche Nutzer, was einem Anstieg von 22 % gegenüber 2022 entspricht.

Plattform	Statistiken herunterladen
iOS App Store	28.750 Downloads
Google Play Store	19.500 Downloads

Telefon-Banking-Dienste

Öffnungszeiten des Callcenters: Montag–Freitag, 7:00–19:00 Uhr PST

• Durchschnittliche Anrufantwortzeit: 2,5 Minuten
• Jährliches Anrufvolumen: 157.300 Kundeninteraktionen

ATM-Netzwerk

Gesamtes Geldautomatennetzwerk: 87 Automaten in ganz Kalifornien

Typ des Geldautomatenstandorts	Anzahl Geldautomaten
Standorte der Bankfilialen	44
Standorte von Einzelhandelspartnern	43

Preferred Bank (PFBC) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Preferred Bank rund 2.750 kleine und mittlere Unternehmen mit einem gesamten gewerblichen Kreditportfolio von 1,2 Milliarden US-Dollar. Die durchschnittliche Kredithöhe für dieses Segment beträgt 437.000 US-Dollar.

Geschäftssegmentkennzahlen	Wert
Gesamte gewerbliche Kredite	1,2 Milliarden US-Dollar
Anzahl der Geschäftskunden	2,750
Durchschnittliche Kredithöhe	$437,000

Vermögende Einzelkunden

Preferred Bank richtet sich an vermögende Privatpersonen mit einem Vermögen von über 5 Millionen US-Dollar. Der aktuelle Kundenstamm umfasst 1.250 vermögende Kunden mit einem verwalteten Gesamtvermögen von 625 Millionen US-Dollar.

Kennzahlen für vermögende Segmente	Wert
Anzahl vermögender Kunden	1,250
Gesamtes verwaltetes Vermögen	625 Millionen Dollar
Mindestvermögensschwelle	5 Millionen Dollar

Lokale Handelsunternehmen

Das Segment der lokalen kommerziellen Unternehmen macht 40 % der kommerziellen Bankeinnahmen der Preferred Bank aus, mit 1.850 aktiven Geschäftskunden in ganz Südkalifornien.

• Gesamtertrag aus dem kommerziellen Bankgeschäft: 215 Millionen US-Dollar
• Anzahl lokaler Gewerbekunden: 1.850
• Geografischer Schwerpunkt: Südkalifornien

Professionelle Dienstleister

Das Segment der professionellen Dienstleister umfasst Anwaltskanzleien, Arztpraxen und Beratungsgruppen. Im Jahr 2023 betreut Preferred Bank 680 professionelle Dienstleistungsunternehmen mit einem Gesamtkreditvolumen von 295 Millionen US-Dollar.

Segment Professionelle Dienstleistungen	Wert
Anzahl der Professional Service-Kunden	680
Gesamtkredit für professionelle Dienstleistungen	295 Millionen Dollar

Regionale Mittelstandsunternehmen

Das mittlere Marktsegment der Preferred Bank besteht aus 450 Unternehmen mit einem Jahresumsatz zwischen 10 und 500 Millionen US-Dollar. Die Gesamtkreditvergabe für dieses Segment beläuft sich auf 875 Millionen US-Dollar.

• Anzahl mittelständischer Unternehmen: 450
• Gesamtkredite für den Mittelstand: 875 Millionen US-Dollar
• Jahresumsatzspanne: 10 bis 500 Millionen US-Dollar

Preferred Bank (PFBC) – Geschäftsmodell: Kostenstruktur

Gehälter und Vergütung der Mitarbeiter

Für das Geschäftsjahr 2023 meldete die Preferred Bank einen Gesamtaufwand für die Mitarbeitervergütung in Höhe von 78,4 Millionen US-Dollar. Die Entschädigungskosten gliedern sich wie folgt:

Kategorie	Betrag ($)
Grundgehälter	52,600,000
Leistungsprämien	12,300,000
Leistungen und Versicherung	9,500,000
Altersvorsorgebeiträge	4,000,000

Wartung der Technologieinfrastruktur

Die Wartungskosten für die Technologieinfrastruktur für Preferred Bank beliefen sich im Jahr 2023 auf insgesamt 22,6 Millionen US-Dollar und setzten sich aus den folgenden Schlüsselkomponenten zusammen:

• IT-System-Upgrades: 8.700.000 $
• Investitionen in Cybersicherheit: 5.900.000 US-Dollar
• Softwarelizenzierung: 4.300.000 US-Dollar
• Hardwarewartung: 3.700.000 $

Betriebsausgaben der Zweigstelle

Die Betriebskosten der Filialen der Preferred Bank beliefen sich im Jahr 2023 auf 34,2 Millionen US-Dollar:

Ausgabenkategorie	Betrag ($)
Miete und Leasing	15,600,000
Dienstprogramme	5,800,000
Wartung und Reparaturen	7,200,000
Filialsicherheit	5,600,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Aufwendungen für die Einhaltung gesetzlicher Vorschriften beliefen sich für Preferred Bank im Jahr 2023 auf 16,5 Millionen US-Dollar:

• Rechts- und Compliance-Mitarbeiter: 6.700.000 US-Dollar
• Prüfung und Berichterstattung: 4.300.000 US-Dollar
• Regulatorische Schulung: 3.200.000 US-Dollar
• Compliance-Software und -Tools: 2.300.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketing- und Kundenakquisekosten für Preferred Bank beliefen sich im Jahr 2023 auf insgesamt 12,9 Millionen US-Dollar:

Marketingkanal	Betrag ($)
Digitales Marketing	5,600,000
Traditionelle Werbung	3,900,000
Kampagnen zur Kundengewinnung	2,700,000
Marketingtechnologie	700,000

Preferred Bank (PFBC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Für das Geschäftsjahr 2023 meldete Preferred Bank einen Gesamtzinsertrag von 225,4 Millionen US-Dollar. Das Kreditportfolio gliedert sich wie folgt:

Gewerbliche Immobilienkredite

Kommerziell & Industriekredite

Hypothekendarlehen für Wohnimmobilien

Kreditkategorie	Gesamtkreditsaldo	Zinserträge
1,2 Milliarden US-Dollar	87,6 Millionen US-Dollar
680 Millionen Dollar	52,3 Millionen US-Dollar
450 Millionen Dollar	35,1 Millionen US-Dollar

Gebühren für Bankdienstleistungen

Die Gebühren für Bankdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 42,7 Millionen US-Dollar, mit folgender Verteilung:

• Kontoführungsgebühren: 18,3 Millionen US-Dollar
• Überziehungsgebühren: 9,5 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 7,2 Millionen US-Dollar
• Gebühren für Überweisungen: 5,4 Millionen US-Dollar
• Andere Bankdienstleistungen: 2,3 Millionen US-Dollar

Provisionen für Anlage- und Vermögensverwaltung

Die Investmentdienstleistungen der Preferred Bank generierten im Jahr 2023 Provisionen in Höhe von 37,2 Millionen US-Dollar:

Servicekategorie	Provisionseinnahmen
Vermögensverwaltung	22,6 Millionen US-Dollar
Finanzberatung	9,8 Millionen US-Dollar
Verkauf von Anlageprodukten	4,8 Millionen US-Dollar

Transaktionsgebühren

Die Einnahmen aus Transaktionsgebühren beliefen sich im Jahr 2023 auf 28,5 Millionen US-Dollar:

• Debitkarten-Transaktionsgebühren: 12,7 Millionen US-Dollar
• Gebühren für Kreditkartentransaktionen: 8,9 Millionen US-Dollar
• Elektronische Zahlungsabwicklung: 6,9 Millionen US-Dollar

Treasury-Management-Dienstleistungen

Treasury-Management-Dienstleistungen erwirtschafteten im Jahr 2023 einen Umsatz von 33,6 Millionen US-Dollar:

Servicetyp	Einnahmen
Cash-Management-Dienstleistungen	15,4 Millionen US-Dollar
Händlerdienste	11,2 Millionen US-Dollar
Internationale Bankdienstleistungen	7,0 Millionen US-Dollar

Preferred Bank (PFBC) - Canvas Business Model: Value Propositions

You're looking at the core differentiators that make Preferred Bank (PFBC) stand out against the mega-banks in the middle-market space. It's all about the depth of the client relationship and the speed of execution, which translates directly into the numbers you see on the balance sheet.

Relationship-driven banking with personalized, high-touch service

Preferred Bank (PFBC) builds its value proposition around a relationship-driven banking model, targeting middle-market businesses, entrepreneurs, and high net worth individuals who need more than an off-the-shelf product. This means you get one-on-one attention and consultative partnership. The team's experience backs this up; management averages 36 years of industry experience, with an average tenure of 23 years specifically with Preferred Bank (PFBC). This deep bench allows frontline personnel to develop long-lasting client relationships, fostering loyalty and organic growth. It's a clear operational mandate guiding every lending decision.

Specialized commercial real estate and business lending solutions

The bank's product suite is centered on specialized commercial banking, focusing heavily on Commercial Real Estate (CRE) financing, construction lending, and Commercial and Industrial (C&I) loans. This specialization allows for tailored solutions rather than generic offerings. As of June 30, 2025, the bank's total gross loans and leases stood at $5,740 million. The portfolio shows a clear focus on core commercial areas:

Loan Category	Percentage of Gross Loans & Leases (as of 6/30/2025)
Commercial Real Estate	Data Not Explicitly Separated from Total
Commercial & Industrial (C & I)	26.3%
Multifamily	Data Not Explicitly Separated from Total
Construction & Development	Data Not Explicitly Separated from Total

This focus on core commercial segments, supported by an annualized loan growth of approximately 7% in Q2 2025, shows their tailored solutions are resonating with their target market.

Trade finance expertise for small and mid-sized businesses

Preferred Bank (PFBC) actively provides trade finance expertise to small and mid-sized businesses. This service is crucial for clients engaged in cross-border commerce, offering solutions that support their working capital needs related to international transactions. While specific trade finance volume isn't detailed in the latest reports, its inclusion as a core offering alongside CRE and C&I lending underscores its importance in serving the full spectrum of their middle-market clientele.

High profitability and stability, with Q3 2025 Net Income of $35.9 million

The operational model translates directly into strong financial results, demonstrating both high profitability and stability, which is non-negotiable for a financial institution. The bank reported a record Q3 2025 Net Income of $35.9 million. This performance supported a robust Return on Average Equity (ROE) of 18.64% for the third quarter of 2025. Furthermore, efficiency is a hallmark; the Q3 2025 Efficiency Ratio was an exceptional 28.7%. This efficiency, combined with local decision-making, helps keep operational costs low relative to revenue generation. Here are some key financial metrics as of late 2025:

• Total Assets (as of Q3 2025): $7.5 billion
• Q3 2025 Net Income: $35.9 million
• Q3 2025 Return on Average Equity (ROE): 18.64%
• Q3 2025 Efficiency Ratio: 28.7%
• Non-performing assets as a percentage of total assets (Q3 2025): 0.94%

Quick decision-making and efficient service delivery compared to larger banks

A core competitive advantage is the local decision-making capability, which allows for faster execution compared to the bureaucratic layers found at larger institutions. This speed is a direct execution layer of the personalized service strategy. The bank's operational efficiency is quantified by its low expense ratio and high asset utilization. For instance, as of June 30, 2025, the bank achieved $22.5 million in assets per employee, ranking in the 92nd percentile nationally. This structure supports quick turnarounds on loan requests, which is a major value driver for time-sensitive commercial clients. You see this commitment in their ability to maintain a strong Net Interest Margin, which reached 3.92% in Q3 2025. Finance: draft 13-week cash view by Friday.

Preferred Bank (PFBC) - Canvas Business Model: Customer Relationships

You're looking at how Preferred Bank (PFBC) maintains its connections with clients, which is clearly centered on high-touch service for its core commercial and high net worth segments. This approach is supported by a physical footprint and a commitment to senior-level expertise.

Dedicated relationship managers for commercial and high net worth clients

Preferred Bank explicitly targets small and mid-sized businesses, entrepreneurs, real estate developers, professionals, and high net worth individuals. The strategy here involves recruiting senior level lenders and business development personnel who bring strong existing client books. This focus is described as providing ultra high-touch service, where frontline staff build deep, lasting relationships, which in turn fosters loyalty and word-of-mouth advertising.

The scale of the operations that these relationship managers oversee, as of Q3 2025, is substantial:

Metric	Amount (Q3 2025)
Total Assets	$7.5 billion
Gross Loans	$5.9 billion
Total Deposits	$6.2 billion

Personalized, one-on-one service model at branch locations

The bank maintains a physical presence designed to facilitate this personalized service. As of late 2025, Preferred Bank operates its banking business from its main office in Los Angeles, California, and through a network of physical locations.

• California Branch Offices: eleven full-service locations.
• New York Branch Offices: one in Flushing.
• Texas Branch Offices: one in Sugar Land.
• Recent/Planned Expansion: New branch openings in Manhattan and planned expansion in Silicon Valley.

High-touch, consultative approach for complex commercial loans

The service model extends to specialized lending, where Preferred Bank provides real estate finance, commercial loans, and trade finance. The emphasis on senior-level lenders suggests a consultative approach is inherent in handling these complex commercial transactions, aligning with the stated goal of developing deep client relationships.

Digital self-service options via online and mobile banking

While the relationship model is emphasized, digital tools are necessary to support the client base. Although specific Preferred Bank digital adoption rates aren't public, the general U.S. banking landscape in 2025 shows a strong digital preference, which the bank must accommodate:

• 83% of U.S. adults have used digital banking services as of 2025.
• 77% of consumers prefer to manage accounts via a mobile app or computer.
• 72% of global banking customers prefer using mobile apps for core services.
• 39% of U.S. adults now rely exclusively on mobile banking, avoiding physical branches entirely.

Customers who do use digital offerings are generally satisfied, with 96% rating their mobile and online experience as good, very good, or excellent.

Preferred Bank (PFBC) - Canvas Business Model: Channels

You're looking at how Preferred Bank (PFBC) gets its products and services to its customers as of late 2025. The distribution strategy balances a physical presence in key markets with digital capabilities, all supporting a relationship-driven commercial banking focus.

The core of the physical channel strategy centers on a network of full-service branch banking offices strategically placed across California, New York, and Texas. As of the third quarter of 2025, Preferred Bank operates a network designed to serve its primary markets, which include Los Angeles, Orange, Ventura, Riverside, San Bernardino, and San Francisco counties in California, the Tri-State area of New York/New Jersey/Connecticut, and the Houston, Texas metro area. This physical network supports total assets reported at $7,468 million as of September 30, 2025.

Here's the breakdown of the full-service branch footprint:

State	Number of Full-Service Branches	Key Locations Mentioned
California (CA)	12	Alhambra, Century City, City of Industry, Torrance, Arcadia, Irvine (2), Diamond Bar, Pico Rivera, Tarzana, San Francisco (2)
New York (NY)	2	Flushing and Manhattan
Texas (TX)	1	Sugar Land
Total Full-Service Branches	15

The bank also maintains a main office in Los Angeles, California.

To capture the high-growth Silicon Valley market, Preferred Bank operates a dedicated Loan Production Office (LPO) in Sunnyvale, California. This LPO is a key channel for originating loans in Northern California, with plans for this location to potentially be elevated to a full-service branch in the second half of 2025.

Digital channels are in place to support both consumer and commercial customers. Preferred Bank offers online banking and payment services. While specific Preferred Bank digital adoption rates aren't public, the bank operates within a landscape where mobile app banking is the most preferred method for general banking access at 54% across the US population as of late 2025. This indicates the necessity of a robust digital offering to complement the physical network.

For its core commercial lending and deposit business, the bank relies on a direct sales force. This channel is crucial for originating loans like mini-perm, construction, real estate finance, commercial loans, and trade finance, often relying on referrals from existing clients such as real estate investors, owner/operators, and developers, alongside internal business development efforts. This direct, relationship-focused approach aligns with the bank's focus on small and mid-sized businesses and high-net-worth individuals. Loan growth accelerated to approximately 7% annualized in the second quarter of 2025, supported by C&I line usage and funding existing commitments, which is a direct result of these origination channels being active.

Finance: draft Q3 2025 cash flow statement by next Tuesday.

Preferred Bank (PFBC) - Canvas Business Model: Customer Segments

You're looking at the core client base for Preferred Bank (PFBC) as of late 2025, which is a blend of specialized niche focus and broader commercial banking in its key metropolitan footprints. The bank targets specific high-value commercial and individual niches while serving a diversified mainstream market.

The overall scale of the bank, as of September 30, 2025, shows total assets at $7,468mm, with gross loans standing at $5,872mm and total deposits at $6,230mm. The loan-to-deposit ratio was 94.3 percent for the third quarter of 2025.

Small and mid-sized businesses (SMBs) and entrepreneurs

This segment is a primary focus, receiving commercial loans, trade finance, and personalized deposit services. Loan growth accelerated in Q2 2025, with approximately 7 percent annualized growth driven by C&I line usage. As of June 30, 2025, Commercial & Industrial (C&I) loans made up 26.3 percent of the total loan portfolio.

Here's a look at the loan portfolio composition as of mid-2025:

Loan Category	Percentage of Gross Loans (as of 6/30/2025)
Commercial & Industrial (C&I)	26.3%
Commercial Real Estate (CRE)	Data Not Separated from C&I in Snippet
1-4 Family	Data Not Separated in Snippet
Multifamily	Data Not Separated in Snippet

Commercial Real Estate (CRE) developers and investors

CRE finance is a core offering for Preferred Bank (PFBC). The bank maintains a significant presence in this sector, though the exact percentage of the loan book dedicated to CRE specifically, separate from other real estate categories, isn't explicitly broken out in the latest summaries beyond the general 'Commercial Real Estate' category. The bank has a physical footprint supporting this with branches across key California markets like Los Angeles and San Francisco, plus a new Manhattan branch.

High net worth individuals and professionals

This group receives personalized deposit services alongside the commercial clients. The deposit base composition as of March 31, 2025, gives you an idea of the retail/consumer side:

• Demand Deposit Accounts (DDA): 12.0 percent
• Money Market Deposit Accounts (MMDA): 34.6 percent
• Certificates of Deposit (CDs) less than $250k: 27.6 percent
• Certificates of Deposit (CDs) greater than $250k: 25.2 percent
• Savings: 0.5 percent

The core deposits (DDA, MMDA, Savings) represented 50.3 percent of total deposits as of that date.

Ethnic Chinese from China and other areas of East Asia (core historical segment)

This is the bank's historical foundation, and it continues to benefit from this migration, though the mainstream market now drives most customers. The concentration of this segment within the balance sheet is estimated:

• Estimated share of Deposits: ~[45 percent]
• Estimated share of Loans: ~[20 percent]

The bank has a strong presence in areas with significant East Asian populations, including 11 branches in Southern California and 2 in San Francisco, plus a branch in Flushing, New York.

Diversified mainstream market customers in key metropolitan areas

While maintaining its core focus, Preferred Bank (PFBC) now serves a diversified mainstream market. The bank's physical footprint extends beyond California, with a branch in Manhattan, a branch in Sugar Land, Texas, and a Loan Production Office (LPO) in Sunnyvale, California, which is planned to become a branch in the second half of 2025. The bank has 16 total locations, including 13 in California, 2 in New York, and 1 in Texas as of late 2025.

The bank emphasizes an 'ultra high-touch service' model, recruiting senior lenders with strong books of business to foster deep client relationships. Finance: draft 13-week cash view by Friday.

Preferred Bank (PFBC) - Canvas Business Model: Cost Structure

You're looking at the hard costs Preferred Bank (PFBC) is managing to keep its operations lean and profitable in late 2025. The cost structure is heavily influenced by funding costs and personnel supporting their relationship-driven model.

Funding Costs: Interest Expense on Deposits

The cost of funding remains a significant driver. Management has been actively managing deposit costs, which helped improve the Net Interest Margin (NIM) to 3.85% in Q2 2025, up from 3.75% in Q1 2025 [cite: 1 from previous search]. However, the pressure from time deposits, specifically Certificates of Deposit (CDs), is clear.

Here are the key figures related to deposit costs:

• $1.4 billion in CDs were set to mature in Q3 2025 [cite: 3 from previous search].
• The average rate on those maturing CDs was 4.21% [cite: 1 from previous search].
• Current CD renewal and offering rates as of Q2 2025 were near, but slightly under, 4% [cite: 1 from previous search].
• Compared to the third quarter of 2024, Preferred Bank realized a substantial $5.0 million reduction in interest expense in Q3 2025 [cite: 5 from previous search].

Personnel Expenses

As a relationship-driven bank, personnel costs for relationship managers and branch staff are essential. You see fluctuations based on compensation timing and staffing levels.

For the second quarter of 2025:

• Personnel expense was up $1.3 million compared to the same quarter last year, driven by new personnel and merit increases [cite: 2 from previous search].
• Sequentially, personnel expense decreased by $592,000 from Q1 2025, primarily due to a spike in Q1 payroll taxes related to incentive compensation payout [cite: 2 from previous search].

Operating Expenses and Overhead

Preferred Bank (PFBC) has been guiding its overall noninterest expense tightly, reflecting a focus on efficiency. Technology and regulatory compliance costs fall within this bucket, though specific breakdowns aren't always itemized publicly.

The reported and guided operating expense figures (Total Noninterest Expense) for 2025 show this control:

Period/Guidance	Total Noninterest Expense (Millions USD)	Notes
Q2 2025 Actual	$22.5	Reported total noninterest expense [cite: 3 from previous search].
Q3 2025 Actual	$21.5	Reported noninterest expense [cite: 11 from previous search].
Q1 2025 Normalized Forecast	$21.5 to $22.0	Forecasted range for normalized expenses [cite: 4 from previous search].
Q3/Q4 2025 Guidance Range	$21.8 to $22.6	Management guidance for the next couple of quarters [cite: 1, 3 from previous search].

The bank maintains a branch-lite model, which helps keep structural overhead lower than traditional banks. As of September 30, 2025, Preferred Bank operated 16 branches across its footprint [cite: 13 from previous search]. The efficiency ratio for Q3 2025 was 30.7%, indicating strong operational leverage [cite: 6 from previous search].

The components of noninterest expense, which include technology and regulatory compliance, are managed within this overall target. For instance, in Q1 2025, noninterest expense was $23.4 million, up from the prior year's $20.0 million, partly due to increases in personnel and OREO expense [cite: 1 from previous search].

Finance: draft 13-week cash view by Friday.

Preferred Bank (PFBC) - Canvas Business Model: Revenue Streams

You're looking at how Preferred Bank (PFBC) brings in the money, which is heavily weighted toward traditional banking activities as of late 2025. The primary engine for revenue is Net Interest Income (NII), which is the difference between the interest earned on assets like loans and securities and the interest paid on liabilities like deposits.

For the second quarter of 2025, Net Interest Income before provision for credit losses was reported at $66.9 million. This figure represented an increase over the prior quarter, partly due to a $2.8 million reversal of interest income that occurred in Q1 2025 related to non-accrual loans.

The core asset driving this NII is the loan portfolio. As of June 30, 2025, Preferred Bank (PFBC) reported total gross loans of $5.74 billion. The Bank's net interest margin (NIM) for Q2 2025 improved to 3.85%, up from 3.75% in the first quarter of 2025.

Beyond interest earnings, the Bank generates revenue from various noninterest sources, which totaled $3.8 million for the second quarter of 2025. This stream is composed of several fee-based services that support the commercial client base.

Here's a look at the key components making up the revenue streams for Preferred Bank (PFBC) based on Q2 2025 figures:

Revenue Component	Amount (Q2 2025)
Net Interest Income (NII)	$66.9 million
Total Noninterest Income	$3.8 million
Total Reported Revenue (NII + Noninterest Income)	Approximately $70.7 million (Reported Revenue was $70.65 million)
Total Gross Loans	$5.74 billion

The noninterest income is further detailed by the specific services provided to clients. You can see the transactional nature of some of these fees:

• Noninterest income includes revenue from service charges and fees, such as those generated by Treasury Management services.
• Letter of Credit (LC) fee income from trade finance services contributed to an increase of $584,000 compared to the same quarter last year.
• Gains on sale of SBA loans represented a smaller, transactional revenue source, which was down by $103,000 compared to the first quarter of 2025.

Also, note that the Bank conducted a significant stock buyback in Q2 2025, purchasing $56 million worth of common shares. Finance: draft next quarter's NII sensitivity analysis by next Wednesday.