Chartered in 1890 and headquartered in Walla Walla, Washington, Banner Bank operates this Point Loma branch on Rosecrans Street near Sunset Cliffs as a full-service commercial and consumer banking center. SBA-lending authorization lets the branch originate government-guaranteed business acquisition and owner-user commercial real estate loans, a pipeline that dovetails with residential purchase financing at California Lending Company. The branch carries $102 million in deposits and offers instant-issue debit cards, safe-deposit boxes, night-drop service, and notary availability by appointment. Home-equity lines and consumer installment loans round out the retail side, complementing the estate-planning strategies structured through Allenby Law, PC for clients coordinating banking and trust arrangements. Construction-draw financing for ground-up commercial projects requiring phased disbursement, lien-waiver tracking, and inspection scheduling represents the branch's most involved loan product.