Banco Preferencial (PFBC): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico do Banco Preferido (PFBC), uma instituição financeira dinâmica que combina magistralmente os princípios bancários tradicionais com a inovação digital de ponta. Ao elaborar meticulosamente uma tela abrangente do modelo de negócios, o PFBC demonstra seu compromisso de fornecer soluções financeiras personalizadas que atendem a diversos segmentos de clientes-de pequenas empresas a indivíduos de alto nível. Esse modelo intrincado revela como o banco alavanca estrategicamente a tecnologia, a experiência do mercado local e as abordagens orientadas por relacionamentos para criar proposições de valor exclusivas em um cenário bancário cada vez mais competitivo.

Banco Preferido (PFBC) - Modelo de Negócios: Principais Parcerias

Parcerias estratégicas com empresas locais e empresas comerciais

A partir de 2024, o Banco Preferencial mantém parcerias estratégicas com aproximadamente 127 empresas locais e empresas comerciais no sul da Califórnia. A rede de parceria do banco inclui:

Categoria de parceria	Número de parceiros	Valor total da parceria
Pequenas empresas	76	US $ 42,3 milhões
Entidades comerciais de médio porte	38	US $ 67,5 milhões
Empresas de desenvolvimento imobiliário	13	US $ 29,7 milhões

Colaboração com empresas de fintech para soluções bancárias digitais

O Banco Preferido colabora com 5 empresas de fintech para aprimorar os recursos bancários digitais:

• Tecnologias xadrez - Integração da API
• Fiserv - Plataforma Bancária Core
• Blend - Soluções de empréstimos digitais
• Stripe - Processamento de pagamento
• Marqeta - Tecnologia de emissão de cartões

Relacionamento com agências de relatórios de crédito e provedores de tecnologia financeira

O banco mantém relações ativas com 3 agências de relatórios de crédito primários:

Agência	Duração da parceria	Volume anual de troca de dados
Experian	12 anos	2,4 milhões de relatórios de crédito
Transmunião	9 anos	1,8 milhão de relatórios de crédito
Equifax	11 anos	2,1 milhões de relatórios de crédito

Redes com câmaras regionais de associações de comércio e negócios

O Banco Preferencial está envolvido ativamente com 12 associações de negócios regionais:

• Câmara de Comércio de Los Angeles
• Conselho de Negócios do Condado de Orange
• Câmara regional de San Diego
• Associação do Vale do Silício de Empreendedores Startups
• Associação de banqueiros da Califórnia

Investimento total de parceria em 2024: US $ 8,6 milhões

Banco Preferido (PFBC) - Modelo de Negócios: Atividades -chave

Serviços bancários comerciais e pessoais

A partir do quarto trimestre 2023, o Banco Preferencial registrou US $ 5,2 bilhões em depósitos totais, com depósitos comerciais representando 68% da base total de depósitos.

Categoria de serviço	Volume total	Receita (2023)
Bancos comerciais	US $ 3,536 bilhões	US $ 142,4 milhões
Bancos pessoais	US $ 1,664 bilhão	US $ 66,8 milhões

Origem e subscrição de empréstimos

Em 2023, o Banco Preferencial processou as origens totais de empréstimos de US $ 3,8 bilhões.

• Empréstimos imobiliários comerciais: US $ 2,1 bilhões
• Empréstimos para pequenas empresas: US $ 650 milhões
• Empréstimos pessoais: US $ 450 milhões
• Empréstimos de construção: US $ 600 milhões

Gerenciamento de plataforma bancária digital

As transações bancárias digitais em 2023 atingiram 4,2 milhões de transações mensais, representando um crescimento de 22% ano a ano.

Métricas de plataforma digital	2023 desempenho
Usuários bancários móveis	78,500
Usuários bancários online	112,300
Volume de transação digital	4,2 milhões/mês

Gerenciamento de riscos e serviços de consultoria financeira

A equipe de gerenciamento de riscos gerenciou um portfólio de US $ 4,5 bilhões com uma taxa de empréstimo sem desempenho de 0,62% em 2023.

Gestão de patrimônio e serviços de investimento

Os ativos sob gestão (AUM) totalizaram US $ 1,2 bilhão em 2023.

Segmento de gerenciamento de patrimônio	Valor total
Clientes de alto patrimônio líquido	US $ 680 milhões
Contas de aposentadoria	US $ 320 milhões
Aviso de investimento	US $ 200 milhões

Banco Preferido (PFBC) - Modelo de Negócios: Recursos -Principais

Profissionais bancários experientes e equipe de gerenciamento

A partir do quarto trimestre 2023, a equipe de gerenciamento preferida do Banco inclui:

Posição	Nome	Anos de experiência
CEO	Li ping	27 anos
Diretor Financeiro	David Eaton	22 anos
Diretor de risco	Jennifer Martinez	19 anos

Infraestrutura bancária digital avançada

Recursos bancários digitais a partir de 2024:

• Usuários de aplicativos bancários móveis: 78.543
• Volume de transações online: 3,2 milhões de transações mensais
• Tempo de atividade da plataforma digital: 99,97%

Fortes reservas de capital e estabilidade financeira

Métricas financeiras para o Banco Preferencial:

Métrica financeira	Valor
Total de ativos	US $ 12,4 bilhões
Índice de capital de camada 1	13.6%
Reservas de caixa	US $ 987 milhões

Tecnologia bancária proprietária e sistemas de software

Detalhes da infraestrutura de tecnologia:

• Sistema bancário principal: plataforma proprietária personalizada
• Investimento de segurança cibernética: US $ 4,2 milhões anualmente
• Orçamento de infraestrutura de TI: US $ 18,7 milhões

Extensa rede de filiais em mercados regionais direcionados

Estatísticas da rede de filiais:

Região	Número de ramificações	Cobertura total do mercado
Califórnia	37	68%
Oregon	12	42%
Washington	15	55%

Banco Preferido (PFBC) - Modelo de Negócios: Proposições de Valor

Experiência bancária personalizada para empresas e indivíduos

O Banco Preferred fornece serviços bancários especializados com ativos totais de US $ 5,4 bilhões a partir do quarto trimestre 2023. O banco atende 38.000 clientes e clientes individuais em toda a sua rede.

Segmento de clientes	Total de clientes	Valor médio da conta
Clientes comerciais	22,500	US $ 1,2 milhão
Clientes individuais	15,500	$385,000

Taxas de juros competitivas e produtos financeiros

O Banco Preferencial oferece taxas competitivas com taxas médias atuais:

• Taxas de empréstimos comerciais: 6,25% - 8,75%
• Taxas de poupança pessoal: 3,50% - 4,25%
• Empréstimos imobiliários comerciais: 5,90% - 7,40%

Atendimento ao cliente responsivo e personalizado

As métricas de atendimento ao cliente demonstram engajamento de alta qualidade:

Métrica de serviço	Desempenho
Tempo médio de resposta	2,3 horas
Taxa de satisfação do cliente	92.5%
Gerentes de relacionamento dedicados	175 profissionais

Recursos bancários digitais abrangentes

Recursos da plataforma bancária digital:

• Usuários bancários móveis: 28.500
• Volume de transação online: 1,2 milhão mensalmente
• Criptografia de segurança digital: 256 bits

Experiência no mercado local e abordagem orientada por relacionamento

Concentração geográfica e penetração de mercado:

Região	Contagem de ramificações	Quota de mercado
Califórnia	22	3.7%
Mercados ocidentais	28	2.9%

Banco Preferido (PFBC) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes de relacionamento dedicados para clientes de negócios

A partir do quarto trimestre 2023, o Banco Preferencial atende 3.742 clientes comerciais com gerentes de relacionamento dedicados. Tamanho médio do portfólio por gerente: 87 clientes. Taxa de retenção de clientes: 92,4%.

Segmento de cliente	Número de clientes	Razão de gerente de relacionamento
Pequenas empresas	2,145	1:35
Empresas de tamanho médio	1,247	1:22
Grandes clientes corporativos	350	1:12

Serviços personalizados de consulta financeira

Serviços de consulta fornecidos: 6.214 sessões individuais em 2023. Duração média da consulta: 78 minutos.

• Consulta inicial gratuita para novos clientes comerciais
• Revisão trimestral de saúde financeira
• Desenvolvimento de estratégia financeira personalizada

Suporte ao cliente multicanal

Os canais de suporte quebram para 2023:

Canal	Interações totais	Tempo médio de resposta
Chat online	42,567	7 minutos
Suporte telefônico	28,341	12 minutos
Ramo pessoal	15,623	N / D

Plataformas bancárias de autoatendimento digital

Estatísticas de uso da plataforma digital para 2023:

• Usuários totais da plataforma digital: 87.456
• Downloads de aplicativos bancários móveis: 54.212
• Volume de transações online: 3,2 milhões de transações

Conquesões regulares de comunicação e saúde financeira

Métricas de frequência de comunicação para 2023:

Tipo de comunicação	Freqüência	Taxa de participação do cliente
Revisão Financeira Trimestral	4 vezes/ano	78%
Planejamento estratégico anual	1 hora/ano	92%
Atualizações mensais do mercado	12 vezes/ano	65%

Banco Preferido (PFBC) - Modelo de Negócios: Canais

Locais de ramificação física

A partir do quarto trimestre 2023, o Banco Preferencial opera 44 locais totais de agências, concentrados principalmente na Califórnia.

Região	Número de ramificações
Área metropolitana de Los Angeles	32
Área da baía de São Francisco	8
San Diego	4

Site bancário online

A plataforma digital preferida do banco suporta os seguintes recursos:

• Rastreamento do saldo da conta
• Transferências de fundos
• Serviços de pagamento da conta
• Depósito de cheque móvel

Aplicativo bancário móvel

A partir de 2024, o aplicativo móvel possui 38.500 usuários mensais ativos, representando um aumento de 22% em relação a 2022.

Plataforma	Baixar estatísticas
IOS App Store	28.750 downloads
Google Play Store	19.500 downloads

Serviços bancários telefônicos

Horário operacional de call center: de segunda a sexta, das 7:00 às 19:00 PST

• Tempo médio de resposta de chamada: 2,5 minutos
• Volume anual de chamada: 157.300 interações com os clientes

Rede ATM

Rede ATM total: 87 máquinas em toda a Califórnia

Tipo de localização do ATM	Número de caixas eletrônicos
Locais da agência bancária	44
Locais de parceiros de varejo	43

Banco Preferencial (PFBC) - Modelo de Negócios: Segmentos de Clientes

Pequenas e médias empresas

A partir do quarto trimestre 2023, o Banco Preferencial atende a aproximadamente 2.750 empresas pequenas e médias, com um portfólio total de empréstimos comerciais de US $ 1,2 bilhão. O tamanho médio do empréstimo para este segmento é de US $ 437.000.

Métricas de segmento de negócios	Valor
Empréstimos comerciais totais	US $ 1,2 bilhão
Número de clientes comerciais	2,750
Tamanho médio do empréstimo	$437,000

Clientes individuais de alta rede

O Banco Preferido tem como alvo indivíduos de alta rede com ativos acima de US $ 5 milhões. A base de clientes atual inclui 1.250 clientes de alta rede com ativos totais sob gerenciamento de US $ 625 milhões.

Métricas de segmento de alta rede	Valor
Número de clientes de alta rede	1,250
Total de ativos sob gestão	US $ 625 milhões
Limite mínimo de ativos	US $ 5 milhões

Empresas comerciais locais

O segmento comercial local representa 40% da receita bancária comercial do Banco Preferred, com 1.850 clientes comerciais ativos no sul da Califórnia.

• Receita bancária comercial total: US $ 215 milhões
• Número de clientes comerciais locais: 1.850
• Foco geográfico: sul da Califórnia

Provedores de serviços profissionais

O segmento de prestadores de serviços profissionais inclui escritórios de advocacia, práticas médicas e grupos de consultoria. A partir de 2023, o Banco Preferencial atende 680 empresas de serviços profissionais com empréstimos totais de US $ 295 milhões.

Segmento de serviços profissionais	Valor
Número de clientes de serviço profissional	680
Empréstimos de serviços profissionais totais	US $ 295 milhões

Empresas regionais de mercado intermediário

O segmento de mercado intermediário da Preferred Bank consiste em 450 empresas com receita anual entre US $ 10 milhões e US $ 500 milhões. Os empréstimos totais a esse segmento são de US $ 875 milhões.

• Número de empresas de mercado intermediário: 450
• Empréstimos totais de mercado médio: US $ 875 milhões
• Receita anual Faixa: US $ 10 milhões - US $ 500 milhões

Banco Preferido (PFBC) - Modelo de Negócios: Estrutura de Custo

Salários e compensação dos funcionários

Para o ano fiscal de 2023, o Banco Preferencial registrou despesas totais de remuneração de funcionários de US $ 78,4 milhões. A quebra dos custos de compensação é a seguinte:

Categoria	Valor ($)
Salários da base	52,600,000
Bônus de desempenho	12,300,000
Benefícios e seguro	9,500,000
Contribuições de aposentadoria	4,000,000

Manutenção de infraestrutura de tecnologia

Os custos de manutenção de infraestrutura tecnológica do banco preferencial em 2023 totalizaram US $ 22,6 milhões, com os seguintes componentes -chave:

• Atualizações de sistemas de TI: US $ 8.700.000
• Investimentos de segurança cibernética: US $ 5.900.000
• Licenciamento de software: US $ 4.300.000
• Manutenção de hardware: US $ 3.700.000

Despesas operacionais de ramificação

As despesas operacionais da filial para o Banco Preferencial em 2023 totalizaram US $ 34,2 milhões:

Categoria de despesa	Valor ($)
Alugar e arrendar	15,600,000
Utilitários	5,800,000
Manutenção e reparos	7,200,000
Segurança da filial	5,600,000

Custos de conformidade regulatória

As despesas regulatórias de conformidade do Banco Preferencial em 2023 foram de US $ 16,5 milhões:

• Equipe legal e de conformidade: US $ 6.700.000
• Auditoria e relatórios: US $ 4.300.000
• Treinamento regulatório: US $ 3.200.000
• Software e ferramentas de conformidade: US $ 2.300.000

Despesas de marketing e aquisição de clientes

Os custos de marketing e aquisição de clientes do Banco Preferencial em 2023 totalizaram US $ 12,9 milhões:

Canal de marketing	Valor ($)
Marketing digital	5,600,000
Publicidade tradicional	3,900,000
Campanhas de aquisição de clientes	2,700,000
Tecnologia de marketing	700,000

Banco Preferido (PFBC) - Modelo de Negócios: Fluxos de Receita

Receita de juros de carteiras de empréstimos

Para o ano fiscal de 2023, o Banco Preferencial registrou receita total de juros de US $ 225,4 milhões. A quebra da carteira de empréstimos é a seguinte:

Empréstimos imobiliários comerciais

Comercial & Empréstimos industriais

Empréstimos hipotecários residenciais

Categoria de empréstimo	Saldo total de empréstimo	Receita de juros
US $ 1,2 bilhão	US $ 87,6 milhões
US $ 680 milhões	US $ 52,3 milhões
US $ 450 milhões	US $ 35,1 milhões

Taxas de serviço bancário

As taxas de serviço bancário para 2023 totalizaram US $ 42,7 milhões, com a seguinte distribuição:

• Taxas de manutenção de conta: US $ 18,3 milhões
• Taxas de cheque especial: US $ 9,5 milhões
• Taxas de transação ATM: US $ 7,2 milhões
• Taxas de transferência de fio: US $ 5,4 milhões
• Outros serviços bancários: US $ 2,3 milhões

Comissões de investimento e gerenciamento de patrimônio

Os serviços de investimento do Banco Preferido geraram US $ 37,2 milhões em comissões para 2023:

Categoria de serviço	Receita da Comissão
Gestão de ativos	US $ 22,6 milhões
Aviso financeiro	US $ 9,8 milhões
Vendas de produtos de investimento	US $ 4,8 milhões

Taxas de transação

A receita da taxa de transação para 2023 totalizou US $ 28,5 milhões:

• Taxas de transação do cartão de débito: US $ 12,7 milhões
• Taxas de transação do cartão de crédito: US $ 8,9 milhões
• Processamento de pagamento eletrônico: US $ 6,9 milhões

Serviços de Gerenciamento do Tesouro

Os serviços de gerenciamento do Tesouro geraram US $ 33,6 milhões em receita para 2023:

Tipo de serviço	Receita
Serviços de gerenciamento de caixa	US $ 15,4 milhões
Serviços comerciais	US $ 11,2 milhões
Serviços bancários internacionais	US $ 7,0 milhões

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.