Cole W. Minnick

American Perspective Bank is a California state chartered commercial bank. It serves commercial enterprises, professionals, real estate investors, family business entities, and residents in San Luis Obispo county and Northern Santa Barbara county. The company's primary business is attracting checking, money market, savings, and certificate of deposit accounts through its branch and provides courier service, remote branch deposits, and various electronic means and invests such deposits and other available funds in various types of loans, including real estate mortgages, commercial business loans, construction loans, and consumer loans. American Perspective Bank was founded on October 15, 2007 and is headquartered in San Luis Obispo, CA

Cal Oaks began operations on February 9, 1998 in the city of Thousand Oaks, California and added a branch office in Simi Valley, California in October 2002. The company primary focus is to the business and professional service companies in their market