1st Centennial Bancorp is a holding company that wholly owns 1st Centennial Bank (the Bank). The Bank is a community bank, offering its customers a variety of personal, consumer and commercial services. The Bank's primary focus is on commercial lending and residential construction in and around the areas it serves. In addition to its main office in Redlands, in San Bernardino County, the Bank operates five full-service branch offices in Southern California, one in Brea, in Orange County, one in Escondido, in San Diego County, one in Palm Desert, in Riverside County, one in Irwindale, in Los Angeles County, and one in Temecula, in Riverside County. 1st Centennial Bank also operates a real estate and construction loan division in Redlands, a small business administration (SBA)/commercial loans Conduit group loan production office and a religious lending group, located in Brea, Orange County, and a home owners association group in Escondido, in San Diego County.