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The Muncy Banking Company opened its doors on November 1, 1893 and was the direct result of a few Muncy businessmen under the leadership of Lewis S. Smith. Smith, one of Muncy`s most successful store owners, could see the need to maintain two banks in the community. One of Muncy`s two banks had recently ceased to exist. As a result, the Muncy Banking Company was established to furnish the primary needs of the small businessmen and the people in the community. Although Lewis Clyde Smith, son of Lewis S. Smith, did not become President until 1914, he was responsible for running the bank from the beginning to the date of his death in July 1938. Lewis Clyde Smith, better known as Clyde, was a conservative and ran the bank in the same manner. During the history of the bank, the Bank has had eight presidents. Howard C. Opp served the longest term from August 1938 to January 1974. On June 20, 1962, the Board of Directors voted to broaden its services to include a trust department. At the same time the bank changed its name to The Muncy Bank and Trust Company. Since its inception, the bank`s primary mission has been to serve the banking needs of Muncy and the surrounding area. This continues to be the same driving force behind the bank today. Being one of the most firmly established banks in the county, the bank has built a reputation of conservative soundness which has helped the bank maintain a major share of the local banking market.
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In 2002, Japanese community leaders in Los Angeles founded Pacific Commerce Bank committed to providing a business bank that would meet the needs of the Japanese-American business community. Similarly in 2008, a few business leaders in Chula Vista recognized a similar need for the Hispanic-American community that resulted in the formation of Vibra Bank. With common ambitions, the leadership of both bank boards met in 2014 to propose a combined entity that would create an institution with four branch locations doubling the asset size and expanding the geographic footprint from Los Angeles to the southern-most border of California. The business potential for the combined bank would exceed what each could individually accomplish in the broader Southern California market place. December, 2015 brought the organization of the holding company, Pacific Commerce Bancorp, to increase capital in anticipation of an additional acquisition. In February, 2016 we welcomed our fifth branch in Pasadena while adding a seasoned team of bankers. More recently in May, 2016, we partnered with ProAmerica Bank, another Los Angeles based institution with similar community-based ideals. ProAmerica Bank, a division of Pacific Commerce Bank, operates our sixth branch office from Downtown Los Angeles and speaks to the success of our planning for strategic growth through organic and merger/acquisition strategies. Pacific Commerce Bank and our employees are committed to providing superior customer service and products to a much broader and more diverse population of businesses types and population of customers. Traditionally, large banks do not do an effective job of servicing the needs of small business owners. Their approach of “one size fits all” is applied to both large and small businesses with smaller businesses being less accommodated. Fundamental to the success of Pacific Commerce Bank is the understanding that as a community bank, we cannot take the “all things to all people” approach. Rather, we distinguish our Bank by providing a personalized approach to your banking needs whether business or personal. We are the home of “Relationship Banking" with our focus on service and professionalism. Visit us and tell us “Your Story” so that we can customize services and products for you. Pacific Commerce Bancorp, the parent company of Pacific Commerce Bank, is publicly traded on the OTC Pink Sheets under the stock symbol PCBC. The bank offers small business loans, asset-based loans, construction and permanent real estate financing, SBA government-guaranteed loans, as well as business credit lines.