Business Banking That’s Different
Our team at Torrey Pines Bank knows Southern California, in part because so many of our bankers grew up here and are dedicated to this dynamic market. We bring you business banking designed to help you take advantage of the wide opportunities in our thriving and diverse economic landscape. At Torrey Pines Bank, our in-depth market knowledge and leadership stake in the region make us a strong resource for your banking needs. We also offer the extensive national reach of our much-admired parent company, Western Alliance Bank, consistently one of the top-performing U.S. banks. No matter the size of your company or enterprise, our highly experienced bankers deliver smart, tailored solutions alongside a proven commitment to relationship banking. Simply put, Torrey Pines Bank is different. Beyond our strong local credentials and powerful national capabilities, we are sharply focused on providing an outstanding customer experience that drives value. We deliver responsive decision-making that puts your timing and priorities first. You’ll also benefit from working with one relationship manager who is empowered to know more, and do more, for your business. We look forward to the opportunity to work with you.
John Maguire, Chief Executive Officer Torrey Pines Bank, a division of Western Alliance Bank
What Sets Us Apart
Torrey Pines Bank makes a difference for clients with commitment, knowledge, creativity and true responsiveness. Being a proactive business bank means taking the time to learn your unique needs and goals so we can customize lending structures and solutions that are just right for you and your company. We’re driven to develop dynamic and collaborative relationships with clients that contribute to the economic success of Southern California.
Responsive Decision-Making Our team has the acumen and authority to make prudent lending decisions quickly, with the power to cut through red tape.
Robust Lending and State-of-the-Art Services You tap into a full spectrum of tailored loan, deposit and treasury management solutions.
A Dedicated Relationship Banker This single point of contact works closely with you on all your banking and finance needs, connecting you with our bank’s breadth of resources, here and nationwide.
Experts Who Know Your Business We are committed to understanding your industry and the unique challenges and opportunities facing your individual business.
Access to Senior Management Our senior management meets regularly with clients and takes an active role in your success. We provide access to decision-makers.
It’s not just about understanding the numbers. It’s about a banker who understands your business. A one-to-one relationship with your banker – a banker who truly understands your business – is how Torrey Pines Bank delivers on accountability.
Bank on Accountability
Industry Expertise
It takes a great deal of knowledge and banking experience to help companies succeed in our vibrant and always-evolving economy here in Southern California. Our best-in-class bankers understand your industry and competitive environment from the inside out. Of course we have the well-designed products and services you need, but we also provide thoughtful counsel and valuable expertise as you move your business forward.
We Know Business in Southern California Business Escrow Services
Mortgage Warehouse Lending
Commercial and Residential Construction
Municipal and Local Governments
Education
Nonprofits
Equipment Finance
Private Equity and Venture Capital
Gaming Healthcare Homeowner Associations Hotels Legal Life Sciences Manufacturing and Logistics
Professional Services Real Estate Development Settlement Services Small Business Technology Timeshare Resorts Wholesale and Distribution
*All offers of credit are subject to credit approval.
What Clients Say
Our clients don’t have to choose between genuine local commitment and powerful national resources. With us, you’ll get the focus of a highly skilled banker who knows your business, your industry and your market, along with sophisticated products and an innovative approach.
Todd Theodora President and CEO, Theodora Oringher PC
“For a business of our size, access to capital means everything. We’ve come to rely on Torrey Pines Bank to supply the capital and wise counsel we require to be successful. We were able to achieve significant short-term growth without missing a beat.”
Harry Schirer CFO, The Brady Companies
“I would recommend Torrey Pines Bank to other businesses – and in fact I have. Why? Because the bank is large enough to handle all our complex needs and still small enough to know who we are … With every part of the bank we touch, we feel like an important client.”
Reid Tracy President and CEO, Hay House
“The whole process of getting our loan was easy. They made it easy to switch over, and the service is great. Plus the senior executives are very involved.”
Health Plan Rx: A New Bank Community Health Group, a communitybased nonprofit health plan serving nearly 275,000 Medi-Cal and Medicare patients in San Diego County, relies on exceptional customer service to differentiate its brand. Believing that it should hold its bank to the same high standards, this customer-oriented company last year began searching for a banking resource with similar values. According to CEO Norma Diaz, “Customer service and relationships are our claim to fame. So it makes sense that we would want a bank that has the same approach.” After many years of working with a large money center bank, the organization switched its significant treasury management accounts to Torrey Pines Bank. Added CFO Scott Carroll: “We make thousands of payments every month for tens of millions of dollars, and Torrey Pines Bank is up to this task. Customer service is so important to us that it’s part of our decision-making. We feel everyone we work with should be doing business this way, and this bank has shown us excellent responsiveness.”
Norma Diaz CEO, Community Health Group
Community Involvement
Torrey Pines Bank, like every division of Western Alliance Bank, has a strong track record for community commitment. Community Impact Across Western Alliance in 2019
$49.4 million
in new community development loans in the bank’s assessment areas
10,280 hours in CRA-eligible volunteer time
$1.3 million in community donations to 178 organizations
$61.8 million
in new community investments
People at Torrey Pines Bank care deeply about improving quality of life in local communities across Southern California. We support affordable housing, education, job creation, workforce development, arts and culture, and so much more. Torrey Pines Bank’s concentrated efforts in small business lending create opportunity that adds economic vitality at every level. And we always dedicate resources, time and talent to high-impact community service organizations that help low- to moderate-income individuals.
Giving Back in Southern California From hands-on support for Los Angeles Financial Planning Day to longstanding involvement with Junior Achievement of San Diego and other worthy efforts, Torrey Pines Bank reaches far into local communities to give back. We provide grants, donations and volunteers for a wide range of diverse causes across Southern California.
Some of the Many Organizations We Support Accion San Diego Boys and Girls Clubs of East County
LA Local Initiatives Support Corporation LA Urban League
Boys and Girls Clubs of Metro Los Angeles
Neighborhood House Association
Brotherhood Crusade
Neighborhood Housing Service
California Council on Economic Education
San Diego Community Housing Corporation
Casa Familiar
Social Advocates for Youth San Diego
CASA of LA Community Health Improvement Partners
Urban Discovery Academy Vermont Slauson CDC
Home of Guiding Hands
YMCA of San Diego County
Home Start
YWCA
How We Work
Our culture is entrepreneurial, just like the businesses we bank. Agile and client-focused, Torrey Pines Bank fosters a shared sense of purpose that helps bankers overcome obstacles and move quickly for customers. How we work isn’t just a benefit for clients: It also helps us attract and retain the best bankers, who find a welcome environment for fresh ideas, collaboration and the flexibility to do what’s right for our business customers and for the bank. We thrive in fast-paced environments. We have high standards and strive for excellence in everything we do. And every team member can have a real impact. Our bank invests in the people and expertise our clients count on with innovative programs – from demanding college internships and outside-the-box management training to engaging professional development opportunities.
Working at Torrey Pines Bank is all about opportunities and possibilities.
Western Alliance Bank
Torrey Pines Bank is part of Western Alliance Bank, one of the country’s top-performing financial institutions. Western Alliance is unique because we offer businesses the best of both worlds: the resources and sophisticated services and solutions of a national bank along with the flexibility, commitment and market knowledge of a bank with strong regional roots.
Kenneth Vecchione President and CEO, Western Alliance Bank
“Our passion gives us energy and drive to think big and do more. Our first responsibility is always to our clients, and we bring them expert bankers who know their industry and market. Their caring, consistent and personal touch – combined with providing tailored solutions – supports our customers’ growth ambitions.”
National Presence, Regional Footprint Western Alliance’s structure produces seamless banking for businesses, whether they are located in our regional geographies or anywhere else in the country. Our cohesive approach puts customers at the center of everything.
Arizona
Atlanta
Durham
Nevada
Boston
New York
Northern California
Chicago
Seattle
Southern California
Denver
Washington, D.C.
Western Alliance Bank
Top 10 Best Banks in America Five Years in a Row, 2016-2020 #1 Regional Bank 2019 Bank Performance Scorecard
NYSE: WAL
One of the Country’s Top-Performing Financial Institutions
Bank Director Magazine
1,800+ Employees Nationwide
Long Term Deposit Rating A2 | Moody’s Investor Service
A | Kroll Bond Rating Agency
418%
WAL Loan Growth 418% WAL Deposit Growth 383%
Loan Growth
383%
2019 Year End
334%
270% 224% 173%
Deposit Growth
306%
259%
208%
155% 106% 67% 40% 0% 0% 2009
13% 4% 2010
20%
89%
66%
37%
17% 2011
2012
2013
2014
2015
2016
2017
2018
2019
We Serve Clients Around the Country Western Alliance offers clients smart banking designed for nearly every facet of the economy. This ranges from commercial real estate and manufacturing to professional services, healthcare, hospitality and more, as well as extensive experience in the technology and innovation sector. Clients around the country appreciate Western Alliance’s creativity, strategic thinking and industry-by-industry focus.
Mortgage Warehouse Lending
“Western Alliance is very easy to work with. They understand our business and they get that not everything is a round peg in a round hole. They listen to us, and the bank delivers exactly what we need.” Josh Adler Chief Investment Officer, AmeriHome Mortgage
Life Sciences
“This bank is a true partner. We had a number of proposals, but they went the extra mile to give us comfort that this would be a relationship vs. a transaction, and that is exactly how it’s been.” Jeffrey Brewer CEO, Bigfoot Biomedical
Public & Nonprofit Finance
“In my experience, what’s unusual is Western Alliance’s perception of the role of our institution. They understand what makes CDU different and unique and they support that.” Dr. David Carlisle President and CEO, Charles R. Drew University of Medicine and Science (CDU)
Technology
“We have consistently found this is the most innovative, technically aware lender in their space. This bank is so creative and responsive, they are an important part of our success and impact.” Kristin Groos Richmond Chairman and CEO, Revolution Foods
Our Locations
Carmel Valley
Golden Triangle
12220 El Camino Real, Ste. 200 San Diego, CA 92130 (858) 523-4600
4350 Executive Dr., Ste. 130 San Diego, CA 92121 (858) 523-4688
Beverly Hills
Kearny Mesa
9355 Wilshire Blvd., Ste. 102 Beverly Hills, CA 90210 (310) 623-8900
9280 Clairemont Mesa Blvd. San Diego, CA 92123 (858) 259-5300
Carlsbad
La Mesa
2760 Gateway Rd. Carlsbad, CA 92009 (760) 444-8400
8379 Center Dr. La Mesa, CA 91942 (619) 233-2555
Downtown Los Angeles
Symphony Towers
601 W. 5th St., Ste. 100 Los Angeles, CA 90071 (213) 362-5200
750 B St., Ste. 100 San Diego, CA 92101 (619) 233-2200
Downtown San Diego 550 W. C St., Ste. 100 San Diego, CA 92101 (619) 233-2500
Turn to us for expert solutions to meet your business banking needs.
torreypinesbank.com | (858) 523-4600
01.20