Founded in 1980, San Joaquin Bank is an independently owned, community, state-chartered institution that serves the financial needs of individuals and small- and medium-sized businesses in Kern County in California. It also offers banking products and related services for public entities and nonprofit organizations. The locally owned bank offers checking, savings and individual retirement accounts. San Joaquin Bank provides cashier s checks, certificates of deposit and safe-deposit boxes, as well as notary, night depository, wire transfer and merchant card processing services. It operates Kern Island Company, which acquires, develops, sells and operates commercial and residential real properties. The bank is a member of the Federal Deposit Insurance Corporation. San Joaquin Bank is a wholly owned subsidiary of San Joaquin Bancorp.