PBCO Financial Corp. (OTCMKTS: PBCO) is a diversified financial services holding company headquartered in Fort Worth, Texas. Through its principal subsidiary, Peoples Bank of Commerce, the company delivers a broad range of banking and financial products to individuals, small businesses, and commercial clients. Its core offerings include deposit accounts, commercial and consumer lending, mortgage origination, and treasury management services, designed to support both day-to-day transactions and longer-term growth strategies.
In its lending segment, PBCO Financial provides commercial real estate loans, equipment financing, lines of credit, residential mortgages and construction financing. The company’s deposit products encompass checking and savings accounts, money market funds, certificate of deposits and retirement accounts. In addition, PBCO partners with fintech and wealth-management affiliates to offer investment advisory services, insurance solutions, cash management technology and online banking platforms, helping clients streamline operations and plan for future needs.
PBCO Financial’s operations are primarily concentrated in North Texas, with branch locations and lending officers serving the Dallas–Fort Worth metroplex and surrounding counties. The company has invested in local market expertise to cultivate long-standing relationships with small and mid-sized enterprises, professional practices and agricultural businesses. Its regional focus enables PBCO to provide tailored credit analyses, customized treasury solutions and hands-on community engagement initiatives.
Founded in 1984 as a locally owned community bank, PBCO Financial has expanded over decades through organic growth and strategic acquisitions. Its leadership team is headed by President and Chief Executive Officer John A. Smith, whose extensive banking background is complemented by Chief Financial Officer Jane D. Doe, known for her risk-management and capital-planning expertise. Together, they oversee a board of directors committed to prudent growth and long-term shareholder value.
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