CBB is a full-service bank that provides a variety of lending and depositary products and services.
- Lending - CBB specializes in loans for community development purposes, particularly in low- and moderate-income East San Francisco Bay Area neighborhoods. Special emphasis is placed on loans for faith-based organizations, small businesses, and nonprofits. Loan types include working capital loans, lines of credit, equipment loans, bridge loans, rehab or construction loans for multi-unit or commercial property, Small Business Administration and CalCAP Loans and California Financial Development Corporation Loan Guarantees, and standby letters of credit. Investments by individuals, as well as institutions such as Calvert Foundation, provide the lending capital.
- Deposits - CBB offers a full range of deposit products at competitive rates. As a community development bank, it converts these deposits into loans for purposes such as church loans, small business expansion in low-income neighborhoods, and supporting non-profit organizations. Deposit types include checking accounts, savings accounts, money market accounts, certificates of deposit, and IRA accounts. The CDARS product allows for deposits to be insured for up to $50 Million