1st Centennial Bancorp operates as the holding company of 1st Centennial Bank. 1st Centennial Bank is a community-oriented bank, offering customers various personal, consumer, and commercial services. The Bank provides a range of deposit instruments and general banking services, including checking, savings, and money market accounts; time certificates of deposit for both business and personal accounts; telebanking; courier services; and Internet banking. It also provides lending products for both businesses and consumers. Commercial loan products include lines of credit, letters of credit, term loans and equipment loans, commercial real estate loans, SBA loans, accounts receivable financing, factoring, equipment leasing, and other working capital financing. In addition, the Bank offers non-deposit and investment products through 1st Centennial Wealth Strategies Group, a division of 1st Centennial Bank. These products include financial and estate planning, stocks and bonds, mutual funds and variable annuities, and various retirement plans. In addition to its main office in San Bernardino County, California, the Bank operates three full-service branch offices in southern California, one in San Diego County, one in Riverside County, and one in Orange County. It also operates a Real Estate & Construction Loan Division in Redlands, and two loan production offices in Orange County.
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