Justin R. Garner

Pacific State Bank was chartered November 2, 1987 and is currently comprised of a ten member Board of Directors. It was conceived under the belief that the Bank should be a broad based, community owned bank, created to serve the businesses of Stockton and the San Joaquin County. The initial shareholders totaled 525 with 516,290 shares sold, thus generating $5,162,900 and creating the largest capitalized, independent bank in the history of San Joaquin County. The bank has issued a 1 for 5 stock option or 20% in 1990 to increase the shares outstanding to 619,540. The bank has built a reputation for professionalism, sound business acumen and is the boldest, brightest financial institution in Alameda, Calaveras, San Joaquin, Stanislaus and Tuolumne Counties. In their years of operation, the Bank has enjoyed a high quality of leadership and its staff is well respected within the local banking community. Their employees speak the following languages: Arabic, Cantonese, Mandarin, Shanghainese, Spanish, Tagalog, Hindi, Punjabi and English.