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Home Bank of California

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Home Bank of California

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Providing San Diego with the expertise you want and the service you deserve. At Home Bank of California, we believe in local bankers for local businesses.

Visit our website (www.hbc.bank) to explore your financial options and chat online, or via video conference, directly with one of our bankers. We are seasoned real estate lenders with a deep understanding of the San Diego market. All credit requests are locally reviewed and decisioned. With comprehensive services such as checking, lending, cash management, positive pay, sweep accounts, ACH, and online banking, we are confident that your business will be happy you made the switch to Home Bank of California. Our experienced and knowledgeable staff looks forward to helping you to attain your goals.

10/29/2026

📣 Our Q3 2026 Quarterly Update is here!

Another quarter of growth, lending, and showing up for the businesses and neighbors who make San Diego what it is. Swipe through for the milestones, the people, and the impact behind this quarter.

Thank you for being part of it. On to a strong finish for 2026.

10/27/2026

Saving works best when it is automatic — and when your savings sit alongside the rest of your banking.

The Companion Savings Account from Home Bank of California is available when you open a new Jumbo Certificate of Deposit with a minimum opening deposit of $10,000. It gives you a place to keep funds accessible while your CD term works in the background.

Whether you are setting money aside personally or building a reserve, our team can walk you through whether the pairing makes sense for you.

Contact Home Bank of California to learn more. Member FDIC.

10/22/2026

When someone searches for a business like yours, your Google Business Profile is often the first thing they see — and for many businesses, it has not been touched in a year.

Fifteen minutes of maintenance before the holidays:
• Confirm your hours, including any holiday closures
• Update photos, especially if your space or team has changed
• Respond to recent reviews, the good ones and the others
• Check that your phone number and website link still work

Holiday season is when local search traffic spikes. Make sure what people find is current.

10/14/2026

A commercial lease is often the second-largest commitment a business makes, and it is rarely as standard as it looks.

Worth understanding before you sign:
• How rent escalates — a fixed annual percentage adds up differently than a CPI adjustment
• What the structure includes: triple net, modified gross, and full service shift very different costs onto you
• Who pays for HVAC, roof, and structural repairs
• Whether you can sublease or assign the space if your plans change
• What happens at renewal, and how much notice you owe

Have an attorney review it. That cost is small next to a five-year obligation.

10/12/2026

Closed: Columbus Day 2026 (Bank Holiday)

10/09/2026

To Be Closed: Columbus Day

10/08/2026

Business email compromise costs companies more than almost any other kind of fraud — and it rarely involves malware. It usually involves a convincing message.

A few defenses that work:
• Turn on multi-factor authentication for every business email account
• Verify any change to payment or wire instructions by phone, using a number you already have
• Treat urgency as a red flag, especially when the request appears to come from an executive
• Give anyone who can move money explicit permission to slow down and confirm

October is Cybersecurity Awareness Month — a good reason to check that these are actually in place, not just assumed.

10/06/2026

Growth plans often outpace what conventional financing will cover. SBA lending can close that gap.

Home Bank of California offers both SBA 7(a) and SBA 504 loans:
• SBA 7(a) — working capital, equipment, business acquisition, and expansion
• SBA 504 — long-term financing for owner-occupied commercial real estate and major fixed assets

Because we are a local bank, your application is reviewed by people here in San Diego who understand your market.

Contact Home Bank of California to talk through which program fits your plans.

10/05/2026

Grow your savings with a competitive 4.35% APY* on a 24–60 month Jumbo Certificate of Deposit from Home Bank of California. Get started with $10,000 in new money—call (858) 270-5881 or visit www.hbc.bank.

*Annual Percentage Yield is effective as of 10/01/2026. A minimum deposit of $10,000 is required to open a Jumbo Certificate of Deposit and obtain the stated APY. Maximum deposit: $200,000. Funds must be new money. A penalty may apply for early withdrawal. Fees could reduce earnings. Rates are subject to change without notice. Member FDIC.

10/01/2026

Software costs creep. A tool you added for one project three years ago is often still billing you every month.

Before Q4 closes out, run a quick audit:
• Pull the last three months of statements and list every recurring charge
• Flag anything nobody has opened in 60 days
• Check for duplicate tools doing the same job
• Ask whether annual billing would cost less than paying monthly

Most businesses find something to cancel. The savings are small individually and meaningful together.

Address

4493 Ruffin Road
San Diego, CA
92123

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+18582705881

Website

https://www.hbc.bank/

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