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Rural Community Development and Support of Natural Resources

We rely on resilient, healthy rural settlements to manage and shepherd our precious natural resources and grow food and other essential resources.  Without financing and technical support, we run the risk that rural  management and product migrates to extractive practices that deplete natural capital and create impoverished communities.  These negative outcomes render our urban economies vulnerable to price shocks in natural resources, scarcity of necessary inputs, food insecurity, health effects from unhealthy food products, and the migration of people out of declining rural towns to cities that cannot absorb their labor nor provide alternative sustainable jobs.  These important connections between strong rural communities and vibrant urban markets inspire OPCB to tend to the financing needs of rural businesses.

Businesses in Non-Metropolitan Counties can present unique underwriting challenges owing to supply chain constraints, markets that lack diversity with extra vulnerability to adverse economic conditions, lack of access to adequate labor pools and a lack of local or regional business support networks. That is a list to halt the most stalwart.  But OPCB can resort to its hands-on, relationship driven underwriting to find solutions because our borrowers understand and attack these obstacles about as well as anyone might.  Adding the technical and advisory services to which OPCB has access is important additional support.

Our Philosophy

Beneficial-Banking-Directional-Street-Sign-One-PacificCoast-BankOur profits, when distributed, can only be distributed to our Foundation to support our community and environment. We believe this innovative structure will allow us to achieve our vision of Beneficial Banking.

Our Customers

Customer-Ecologic-Bottle-One-PacificCoast-BankWe strive to provide capital to businesses & nonprofits that produce meaningful social justice and environmental outcomes. Learn more about our customers here!

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