This is a 51 year old rural bank with a high CAMELS rating. The present market value of assets and capital investment is P65 million.The current owners are very progressive. They pioneered in setting up Other Banking Offices (OBO) in Calabarzon which was followed by other rural banks. They have 3 full-fledged banks and 3 OBOs. The OBOs may be converted to full-fledged banks. The Banko Sentral approved a 4th OBO in November 2018. They own all the real estate where the 3 branches operate. Only the OBOs operate in rented locations. Being a conservative bank, they have many clients from the religious community, schools and OFWs. The bank’s high liquidity level is a reflection of the community’s confidence.