Pacific Mercantile Bancorp  (PMBC)
Other Ticker:  
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial

Pacific Mercantile Bancorp Segments


Business Segments III. Quarter
(in millions $)
(Sep 30 2019)
(of total Revenues)
III. Quarter
(in millions $)
(Sep 30 2019)
(Profit Margin)
11.99 100 % 1.63 13.6 %

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Growth rates by Segment III. Quarter
Y/Y Revenue
(Sep 30 2019)
Q/Q Revenue
III. Quarter
Y/Y Income
(Sep 30 2019)
Q/Q Income
-11.76 % -11.91 % -89.39 % -40.25 %

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To get more information on Pacific Mercantile Bancorp's Total segment. Select each division with the arrow.

  Pacific Mercantile Bancorp's

Business Segments Description

Commercial Loans
The commercial loans we offer generally include short-term secured and unsecured business and commercial loans with maturities ranging from 12 to 24 months, accounts receivable financing for terms of up to 24 months, equipment loans which generally amortize over a period of up to 7 years, and SBA guaranteed business loans with terms of up to 10 years. The interest rates on these loans generally are adjustable and usually are indexed to The Wall Street Journal’s prime rate and will vary based on market conditions and credit risk. In order to mitigate the risk of borrower default, we generally require collateral to support the credit or, in the case of loans made to businesses, we often require personal guarantees from their owners, or both. In addition, all such loans must have well-defined primary and secondary sources of repayment.

We also offer asset-based lending products made to businesses that are growing rapidly, but cannot internally fund their growth without borrowings. These loans are collateralized by a security interest in all business assets with specific advance rates made against the borrower's accounts receivable and inventory. We control our risk by generally requiring loan-to-value ratios of not more than 80% and by closely and regularly monitoring the amount and value of the collateral in order to maintain that ratio.

Commercial loan growth is important to the growth and profitability of our banking franchise because commercial loan borrowers typically establish noninterest-bearing (demand) and interest-bearing transaction deposit accounts and banking services relationships with us. Those deposit accounts help us to reduce our overall cost of funds and those banking services relationships provide us with a source of non-interest income.

Commercial Real Estate Loans
The majority of our commercial real estate loans are secured by first trust deeds on nonresidential real property. Loans secured by nonresidential real estate often involve loan balances to single borrowers or groups of related borrowers. Payments on these loans depend to a large degree on the rental income stream from the properties and the global cash flows of the borrowers, which are generated from a wide variety of businesses and industries. As a result, repayment of these loans can be affected adversely by changes in the economy in general or by the real estate market more specifically. Accordingly, the nature of this type of loan makes it more difficult to monitor and evaluate. Consequently, we typically require personal guarantees from the owners of the businesses to which we make such loans.

Business Banking Services
We offer an array of banking and financial services designed to support the needs of our business banking clients. Those services include:

Our online business banking portal allows our clients to conduct online transactions and access account information; features include the ability to:
View account balances and activity, including statements
Transfer funds between accounts
Access wires, ACH and bill pay capabilities
View check images
Setup account alerts
Prepare customizable reports and dashboards views
Download activity into Intuit QuickBooks and Quicken

Our mobile banking platform allows our clients to conduct transactions and access account information from their mobile device; features include the ability to:
View available balances, transactions and transaction details
Create one time balance transfers
Create bill payments for existing payees
Schedule future dated bill payments
Cancel scheduled bill payments
View recent payments
Approve wires, ACH, and balance transfer transactions
Deposit checks
Find bank locations

Collection services such as remote deposit capture services (PMB xPress Deposit), remittance payments (Lockbox), and incoming ACH & wire reporting and notification.

Payable services such as checks, wire transfer and ACH origination, business bill pay service, and business credit cards. We also provide courier and onsite vault services for those clients with cash needs.

Fraud prevention services such as Positive Pay, ACH Positive Pay, and transactional alerts.


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