Banco Preferido (PFBC): Lienzo del Modelo de Negocio [Actualización de Ene-2025]

Sumérgete en el plan estratégico del Banco Preferido (PFBC), una institución financiera dinámica que combina magistralmente los principios bancarios tradicionales con innovación digital de vanguardia. Al crear meticulosamente un lienzo de modelo de negocio integral, PFBC demuestra su compromiso de ofrecer soluciones financieras personalizadas que se adapten a diversos segmentos de clientes, desde pequeñas empresas hasta personas de alto nivel de red. Este intrincado modelo revela cómo el banco aprovecha estratégicamente la tecnología, la experiencia en el mercado local y los enfoques basados ​​en relaciones para crear propuestas de valor únicas en un panorama bancario cada vez más competitivo.

Banco Preferido (PFBC) - Modelo de negocio: asociaciones clave

Asociaciones estratégicas con empresas locales y empresas comerciales

A partir de 2024, Prefered Bank mantiene asociaciones estratégicas con aproximadamente 127 empresas locales y empresas comerciales en el sur de California. La red de asociación del banco incluye:

Categoría de asociación	Número de socios	Valor de asociación total
Empresas de pequeñas empresas	76	$ 42.3 millones
Entidades comerciales de tamaño mediano	38	$ 67.5 millones
Empresas de desarrollo inmobiliario	13	$ 29.7 millones

Colaboración con empresas fintech para soluciones de banca digital

El banco preferido colabora con 5 compañías fintech para mejorar las capacidades de banca digital:

• Tecnologías a cuadros - Integración de API
• Fiserv - Plataforma bancaria central
• Mezcla: soluciones de préstamos digitales
• Stripe - Procesamiento de pagos
• Marqeta - Tecnología de emisión de tarjetas

Relaciones con agencias de informes de crédito y proveedores de tecnología financiera

El banco mantiene relaciones activas con 3 agencias principales de informes de crédito:

Agencia	Duración de la asociación	Volumen anual de intercambio de datos
Experiencia	12 años	2.4 millones de informes de crédito
Transunión	9 años	1.8 millones de informes de crédito
Equifax	11 años	2.1 millones de informes de crédito

Redes con cámaras regionales de comercio y asociaciones comerciales

Prefered Bank participa activamente con 12 asociaciones comerciales regionales:

• Cámara de Comercio de Los Ángeles
• Consejo de Negocios del Condado de Orange
• Cámara regional de San Diego
• Asociación de Silicon Valley de empresas de inicio
• Asociación de Banqueros de California

Inversión total de asociación en 2024: $ 8.6 millones

Banco preferido (PFBC) - Modelo de negocio: actividades clave

Servicios bancarios comerciales y personales

A partir del cuarto trimestre de 2023, Prefered Bank reportó $ 5.2 mil millones en depósitos totales, con depósitos comerciales que representan el 68% de la base de depósitos totales.

Categoría de servicio	Volumen total	Ingresos (2023)
Banca comercial	$ 3.536 mil millones	$ 142.4 millones
Banca personal	$ 1.664 mil millones	$ 66.8 millones

Originación de préstamo y suscripción

En 2023, el banco preferido procesó originaciones de préstamos totales de $ 3.8 mil millones.

• Préstamos inmobiliarios comerciales: $ 2.1 mil millones
• Préstamos para pequeñas empresas: $ 650 millones
• Préstamos personales: $ 450 millones
• Préstamos de construcción: $ 600 millones

Gestión de la plataforma de banca digital

Las transacciones bancarias digitales en 2023 alcanzaron 4.2 millones de transacciones mensuales, lo que representa un crecimiento anual del 22%.

Métricas de plataforma digital	2023 rendimiento
Usuarios de banca móvil	78,500
Usuarios bancarios en línea	112,300
Volumen de transacción digital	4.2 millones/mes

Gestión de riesgos y servicios de asesoramiento financiero

El equipo de gestión de riesgos administró una cartera de $ 4.5 mil millones con un índice de préstamo no realizado de 0.62% en 2023.

Servicios de gestión de patrimonio y inversión

Los activos bajo administración (AUM) totalizaron $ 1.2 mil millones en 2023.

Segmento de gestión de patrimonio	Valor total
Clientes de alto patrimonio neto	$ 680 millones
Cuentas de jubilación	$ 320 millones
Aviso de inversión	$ 200 millones

Banco preferido (PFBC) - Modelo de negocio: recursos clave

Profesionales bancarios experimentados y equipo de gestión

A partir del cuarto trimestre de 2023, el equipo de gestión del Banco Preferido incluye:

Posición	Nombre	Años de experiencia
CEO	Li ping	27 años
director de Finanzas	David Eaton	22 años
Oficial de riesgos	Jennifer Martínez	19 años

Infraestructura de banca digital avanzada

Capacidades de banca digital a partir de 2024:

• Usuarios de la aplicación de banca móvil: 78,543
• Volumen de transacciones en línea: 3.2 millones de transacciones mensuales
• Tiempo de actividad de la plataforma digital: 99.97%

Reservas de capital fuertes y estabilidad financiera

Métricas financieras para el banco preferido:

Métrica financiera	Valor
Activos totales	$ 12.4 mil millones
Relación de capital de nivel 1	13.6%
Reservas de efectivo	$ 987 millones

Tecnología bancaria patentada y sistemas de software

Detalles de la infraestructura tecnológica:

• Sistema bancario central: plataforma patentada personalizada
• Inversión de ciberseguridad: $ 4.2 millones anuales
• Presupuesto de infraestructura de TI: $ 18.7 millones

Extensa red de sucursales en mercados regionales específicos

Estadísticas de la red de sucursales:

Región	Número de ramas	Cobertura total del mercado
California	37	68%
Oregón	12	42%
Washington	15	55%

Banco preferido (PFBC) - Modelo de negocio: propuestas de valor

Experiencia bancaria personalizada para empresas e individuos

Prefered Bank ofrece servicios bancarios especializados con activos totales de $ 5.4 mil millones al cuarto trimestre de 2023. El banco atiende a 38,000 clientes comerciales e individuales en su red.

Segmento de clientes	Total de clientes	Valor de cuenta promedio
Clientes comerciales	22,500	$ 1.2 millones
Clientes individuales	15,500	$385,000

Tasas de interés competitivas y productos financieros

El banco preferido ofrece tarifas competitivas con tarifas promedio actuales:

• Tasas de préstamo comercial: 6.25% - 8.75%
• Tasas de ahorro personal: 3.50% - 4.25%
• Préstamos inmobiliarios comerciales: 5.90% - 7.40%

Servicio al cliente receptivo y personalizado

Las métricas de servicio al cliente demuestran un compromiso de alta calidad:

Métrico de servicio	Actuación
Tiempo de respuesta promedio	2.3 horas
Tasa de satisfacción del cliente	92.5%
Gerentes de relaciones dedicadas	175 profesionales

Capacidades de banca digital integrales

Características de la plataforma bancaria digital:

• Usuarios de banca móvil: 28,500
• Volumen de transacciones en línea: 1.2 millones mensuales
• Cifrado de seguridad digital: 256 bits

Experiencia en el mercado local y enfoque basado en relaciones

Concentración geográfica y penetración del mercado:

Región	Recuento de ramas	Cuota de mercado
California	22	3.7%
Mercados occidentales	28	2.9%

Banco Preferido (PFBC) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones dedicadas para clientes comerciales

A partir del cuarto trimestre de 2023, Prefered Bank atiende a 3.742 clientes comerciales con gerentes de relaciones dedicados. Tamaño promedio de la cartera por administrador: 87 clientes. Tasa de retención del cliente: 92.4%.

Segmento de clientes	Número de clientes	Relación del administrador de relaciones
Pequeñas empresas	2,145	1:35
Empresas de tamaño mediano	1,247	1:22
Grandes clientes corporativos	350	1:12

Servicios de consulta financiera personalizada

Servicios de consulta proporcionados: 6,214 sesiones individuales en 2023. Duración promedio de consulta: 78 minutos.

• Consulta inicial gratuita para nuevos clientes comerciales
• Revisión trimestral de salud financiera
• Desarrollo de estrategia financiera personalizada

Atención al cliente multicanal

Desglose de los canales de soporte para 2023:

Canal	Interacciones totales	Tiempo de respuesta promedio
Chat en línea	42,567	7 minutos
Soporte telefónico	28,341	12 minutos
Rama en persona	15,623	N / A

Plataformas de banca de autoservicio digital

Estadísticas de uso de la plataforma digital para 2023:

• Usuarios totales de la plataforma digital: 87,456
• Descargas de aplicaciones de banca móvil: 54,212
• Volumen de transacciones en línea: 3.2 millones de transacciones

Comunicación regular y control de salud financiera

Métricas de frecuencia de comunicación para 2023:

Tipo de comunicación	Frecuencia	Tasa de participación del cliente
Revisión financiera trimestral	4 veces/año	78%
Planificación estratégica anual	1 vez/año	92%
Actualizaciones mensuales del mercado	12 veces/año	65%

Banco Preferido (PFBC) - Modelo de negocio: canales

Ubicaciones de ramas físicas

A partir del cuarto trimestre de 2023, Prefered Bank opera 44 ubicaciones de sucursales totales, principalmente concentradas en California.

Región	Número de ramas
Área metropolitana de Los Ángeles	32
Área de la Bahía de San Francisco	8
San Diego	4

Sitio web de banca en línea

La plataforma digital del banco preferido admite las siguientes funciones:

• Seguimiento del saldo de la cuenta
• Transferencias de fondos
• Servicios de pago de facturas
• Depósito de cheque móvil

Aplicación de banca móvil

A partir de 2024, la aplicación móvil tiene 38,500 usuarios mensuales activos, lo que representa un aumento del 22% de 2022.

Plataforma	Descargar estadísticas
Tienda de aplicaciones de iOS	28,750 descargas
Google Play Store	19,500 descargas

Servicios de banca telefónica

Horario operativo del centro de llamadas: de lunes a viernes de 7:00 a.m. a 7:00 p.m. PST

• Tiempo promedio de respuesta de llamadas: 2.5 minutos
• Volumen anual de llamadas: 157,300 interacciones con el cliente

Red de cajeros automáticos

Total de red de cajeros automáticos: 87 máquinas en California

Tipo de ubicación de cajero automático	Número de cajeros automáticos
Ubicaciones de sucursales bancarias	44
Ubicaciones de socios minoristas	43

Banco Preferido (PFBC) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Prefered Bank atiende a aproximadamente 2,750 empresas pequeñas a medianas con una cartera de préstamos comerciales totales de $ 1.2 mil millones. El tamaño promedio del préstamo para este segmento es de $ 437,000.

Métricas de segmento de negocios	Valor
Préstamos comerciales totales	$ 1.2 mil millones
Número de clientes comerciales	2,750
Tamaño promedio del préstamo	$437,000

Clientes individuales de alto valor neto

El banco preferido se dirige a personas de alto valor de la red con activos de más de $ 5 millones. La base actual de clientes incluye 1,250 clientes de alto valor de la red con activos totales bajo una administración de $ 625 millones.

Métricas de segmento de alto nivel de red	Valor
Número de clientes de alto patrimonio	1,250
Activos totales bajo administración	$ 625 millones
Umbral de activos mínimo	$ 5 millones

Empresas comerciales locales

El segmento de empresas comerciales locales representa el 40% de los ingresos de banca comercial de Preferred Bank, con 1.850 clientes comerciales activos en el sur de California.

• Ingresos de banca comercial total: $ 215 millones
• Número de clientes comerciales locales: 1.850
• Enfoque geográfico: sur de California

Proveedores de servicios profesionales

El segmento de proveedores de servicios profesionales incluye firmas de abogados, prácticas médicas y grupos de consultoría. A partir de 2023, Prefered Bank atiende a 680 negocios de servicios profesionales con préstamos totales de $ 295 millones.

Segmento de servicios profesionales	Valor
Número de clientes de servicios profesionales	680
Préstamos totales de servicios profesionales	$ 295 millones

Compañías regionales de mercado medio

El segmento de mercado medio de Prefered Bank consta de 450 empresas con ingresos anuales entre $ 10 millones y $ 500 millones. Los préstamos totales a este segmento son de $ 875 millones.

• Número de compañías del mercado medio: 450
• Préstamos totales del mercado medio: $ 875 millones
• Rango de ingresos anual: $ 10 millones - $ 500 millones

Banco Preferido (PFBC) - Modelo de negocio: Estructura de costos

Salarios de empleados y compensación

Para el año fiscal 2023, Preferred Bank informó que los gastos de compensación de empleados totales de $ 78.4 millones. El desglose de los costos de compensación es el siguiente:

Categoría	Monto ($)
Salarios base	52,600,000
Bonos de rendimiento	12,300,000
Beneficios y seguro	9,500,000
Contribuciones de jubilación	4,000,000

Mantenimiento de la infraestructura tecnológica

Los costos de mantenimiento de la infraestructura tecnológica para el Banco Preferido en 2023 totalizaron $ 22.6 millones, con los siguientes componentes clave:

• Actualizaciones de sistemas de TI: $ 8,700,000
• Inversiones de ciberseguridad: $ 5,900,000
• Licencias de software: $ 4,300,000
• Mantenimiento de hardware: $ 3,700,000

Gastos operativos de rama

Los gastos operativos de la sucursal para Prefered Bank en 2023 ascendieron a $ 34.2 millones:

Categoría de gastos	Monto ($)
Alquiler y arrendamiento	15,600,000
Utilidades	5,800,000
Mantenimiento y reparaciones	7,200,000
Seguridad de la rama	5,600,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para el Banco Preferido en 2023 fueron de $ 16.5 millones:

• Personal legal y de cumplimiento: $ 6,700,000
• Auditoría e informes: $ 4,300,000
• Capacitación regulatoria: $ 3,200,000
• Software y herramientas de cumplimiento: $ 2,300,000

Gastos de marketing y adquisición de clientes

Los costos de marketing y adquisición de clientes para Prefered Bank en 2023 totalizaron $ 12.9 millones:

Canal de marketing	Monto ($)
Marketing digital	5,600,000
Publicidad tradicional	3,900,000
Campañas de adquisición de clientes	2,700,000
Tecnología de marketing	700,000

Banco Preferred (PFBC) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

Para el año fiscal 2023, Preferred Bank reportó ingresos por intereses totales de $ 225.4 millones. El desglose de la cartera de préstamos es el siguiente:

Préstamos inmobiliarios comerciales

Comercial & Préstamos industriales

Préstamos hipotecarios residenciales

Categoría de préstamo	Saldo total del préstamo	Ingresos por intereses
$ 1.2 mil millones	$ 87.6 millones
$ 680 millones	$ 52.3 millones
$ 450 millones	$ 35.1 millones

Tarifas de servicio bancario

Las tarifas de servicio bancario para 2023 totalizaron $ 42.7 millones, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 18.3 millones
• Tarifas de sobregiro: $ 9.5 millones
• Tarifas de transacción de cajeros automáticos: $ 7.2 millones
• Tasas de transferencia de cables: $ 5.4 millones
• Otros servicios bancarios: $ 2.3 millones

Comisiones de inversión y gestión de patrimonio

Los servicios de inversión del banco preferido generaron $ 37.2 millones en comisiones para 2023:

Categoría de servicio	Ingresos por comisión
Gestión de activos	$ 22.6 millones
Aviso financiero	$ 9.8 millones
Ventas de productos de inversión	$ 4.8 millones

Tarifas de transacción

Los ingresos por tarifas de transacción para 2023 ascendieron a $ 28.5 millones:

• Tarifas de transacción con tarjeta de débito: $ 12.7 millones
• Tarifas de transacción con tarjeta de crédito: $ 8.9 millones
• Procesamiento de pagos electrónicos: $ 6.9 millones

Servicios de gestión del tesoro

Los servicios de gestión del tesoro generaron $ 33.6 millones en ingresos para 2023:

Tipo de servicio	Ganancia
Servicios de gestión de efectivo	$ 15.4 millones
Servicios comerciales	$ 11.2 millones
Servicios bancarios internacionales	$ 7.0 millones

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.