First Bank in Chula Vista has operated on the Broadway corridor since 1980, providing personal and commercial banking from Suite 8 at 510 Broadway near the H Street commercial node. SBA lending, commercial credit lines, and treasury management at this branch fuel Chula Vista's small-business sector along the Broadway corridor, a commercial ecosystem that includes marketing firms such as Planet Marketing. Founded in 1910, First Bank operates 71 branches across Missouri, California, and Illinois and is chartered as a commercial state bank supervised by the Federal Reserve. The Chula Vista location moved from its former Fourth Avenue site to Broadway and now provides personal checking, savings, mortgage origination, wealth management, and merchant banking alongside its commercial lending portfolio. Mortgage underwriting at this branch evaluates creditworthiness benchmarks including FICO scoring, debt-to-income ratios, and employment verification, metrics that some applicants strengthen through credit-rehabilitation specialists such as The Onyx Institute LLC Credit Repair Services. Complex commercial engagements include SBA 504 real estate acquisition loans, treasury sweep accounts for multi-entity payroll, and construction-draw lines requiring phase-completion inspection and lien-waiver verification.