NCAL Bancorp · Los Angeles, CA United States ·(OTC: NCAL)
Company Description
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This link will open in a new window NCAL operates in SoCal through its primary subsidiary, National Bank of California. Specifically, NCAL Bancorp serves individuals (primarily professionals, investors, and high net-worth individuals) and small to midsized businesses through five National Bank of California branches in Southern California's Los Angeles, Orange, and Ventura counties. Founded in 1982, the bank offers retail customers checking, savings, and money market accounts, certificates of deposit, and personal lines of credit and loans. For businesses, it provides deposit products, cash management, and real estate, construction, commercial, and Small Business Administration (SBA) loans. To read the full description, subscribe now.
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Key NCAL Bancorp Financials
| Company Type | Public - OTC: NCAL Headquarters |
| Fiscal Year-End | December |
| 2007 Sales (mil.) | $23.8 |
| Employees | 46 |
NCAL Bancorp Executives
6 executives listed for NCAL Bancorp's Los Angeles, CA location.
| Title | Name & Bio | Contact |
| Chairman | Joseph Kornwasser | Network |
| Vice Chairman | Daniel Dworsky | Network |
| President, CEO, and Director; President and CEO, National Bank of California | Barry Uzel | Network |
Competition
Competitive Landscape for NCAL Bancorp
Demand for banking services is closely tied to economic activity and the level of interest rates. The profitability of individual banks depends on marketing skills, efficient operations, and good risk management. Large economies of scale exist in some segments of the industry, which has encouraged industry consolidation. Smaller banks can compete successfully in segments where customer service or knowledge of the local market is more important. The industry is capital-intensive and highly automated: annual revenue per employee is close to $300,000. Many banks and thrifts aggressively offered adjustable rate and subprime mortgages during the housing boom of the early 2000s only to find themselves saddled with loan defaults and extensive losses when the housing bubble burst. Deep exposure to subprime mortgages and mortgage-backed securities caused bank failures, government takeovers, and involuntary mergers. To read the full description, subscribe now.Top NCAL Bancorp Competitors
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