San Joaquin Bank satisfies the need for a locally owned and operated bank which can respond quickly to the community. We are successful because we know and understand Kern County, its economy and its people. We commenced operations as a California state-chartered bank in December, 1980 and are the oldest independent community bank headquartered in Bakersfield, Kern County, California.

We have four banking offices and an administrative center within Kern County, California. Through our network of banking offices, we emphasize professional, personal banking service directed primarily to small and medium-sized businesses and professionals. Although our primary focus is toward the small and medium-sized business and professional market, we also provide a full range of banking services that are available to individuals, public entities, and non-profit organizations.

We offer a wide range of specialized services designed to attract and service the needs of commercial customers and account holders. These services include a variety of deposit accounts, lending services, SBA loans, ACH origination services, Internet banking for business and individual customers, safe deposit, MasterCard and Visa merchant deposit services, deposit pick-up service, cash management sweep accounts, MasterCard MasterMoney™ ATM/Check cards, and Visa and MasterCard credit cards.