The industries around us
Newport Beach runs on property, professional services and the businesses that support military families. River Gem banks the people who keep those sectors moving.
Who we bank
Sector knowledge, applied to the account
Each relationship starts with the same question: who is allowed to move this money, and who needs to see it? The answer shapes the accounts, the controls and the reporting.
Property management
Operating and owner funds accounts, assessment lockbox and scheduled disbursements for managed portfolios.
Homeowner associations
Operating, reserve and special assessment accounts with read only board access and dual approval.
Escrow, title and settlement
Segregated settlement accounts, verified wires and records that match the closing statement.
1031 exchange
Exchange proceeds accounts coordinated with the client's qualified intermediary and tax adviser.
Law firms and fiduciaries
IOLTA, client trust and fiduciary accounts built around segregation, authority and reconciliation.
Commercial real estate
Loans for multifamily, mixed use and investor owned property, alongside the deposit relationship.
Defense adjacent business
Operating accounts and lending for veteran owned firms and suppliers serving military communities.
Non-profits and community
Deposit accounts, controls and grant programs for organizations working in the communities we serve.
The standard
One banker, the whole picture
A specialist relationship is still a River Gem relationship. The same banker can bring in lending, treasury, retirement or private banking without handing you to another queue.
- A banker who knows the sector, not a general queue
- Account structures documented before the first deposit
- Dual approval, Positive Pay and verified wire callbacks
- Statements and reporting that reconcile to your ledger
- An annual review that survives board and staff turnover
- Lending, treasury and retirement specialists when the relationship needs them
Open an account
Your next pension day can be the first clear one.
Most personal applications take about eight minutes. You will get a decision, a routing number for DFAS and a named banker not a waiting list.
River Gem Bank is a California state-chartered bank. Deposits are FDIC insured up to $250,000 per depositor, per ownership category.