Pacific Mercantile Bancorp is the holding company for Pacific Mercantile Bank, which operates about 10 branches in Southern California's Los Angeles, Orange, San Bernardino, and San Diego counties. Serving area consumers and businesses, the bank provides standard services such as checking, savings, and money market accounts, CDs, and IRAs, as well as online banking and bill payment. It primarily uses deposits to fund business loans, including commercial mortgages, which account for some 60% of the company's loan portfolio. The bank also offers residential mortgages, construction, land development, and consumer loans.