MCB Financial Corporation is a bank holding company for Metro Commerce Bank (the Bank). MCB Statutory Trust I, which is a Connecticut statutory trust formed for the exclusive purpose of issuing and selling trust preferred securities, is also a subsidiary of the Company. The Bank's services include checking and savings deposits, and the making of commercial, construction, mortgage, real estate, small business administration, home equity and other installment loans and term extensions of credit. The Bank also offers travelers' checks, notary public and other customary bank services to its customers. The Bank is not a credit card issuing bank, though it offers Visa cards through one of its correspondent banks. The Bank's primary service area is central Marin County along with the cities of San Francisco, South San Francisco, Hayward, Petaluma and Upland, California.