Pff bank & trust: "customers first" brand of banking

  • Sawyerr O
  • Abraham S
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The case presents PFF, a $4 billion full-service community bank headquartered in Pomona, California. The case begins with a discussion of the structure of the banking industry. It continues with a discussion of major industry trends such as consolidation, record earnings, declining mortgage volume, technological advances and the corporate scandals that have rocked the financial services industry in recent years. The case then presents PFF, beginning with its founding in Pomona in 1892 as The Mutual Building and Loan, continuing with its explosive growth mirroring the population expansion in the Inland Empire of Southern California, and ending with its current challenges. The case discusses the organizational and management structure of PFF, its corporate culture, and key elements of its growth strategy, sprinkled with excerpts from an interview with its CEO, Mr. Larry Rinehart. The case then turns to the competitive landscape in PFF's home turf, the Inland Empire, and discusses major regional and national competitors. The case concludes with the future challenges that PFF faces. The case provides many tables and figures to support its content, especially detailed multiyear financial statements for PFF Bancorp. In addition, it includes an appendix that provides information on how to analyze a bank. Since accounting systems of financial institutions are different from those of other companies, we believe this would serve instructors and students well. The greatest strength of the case is that it focuses on a firm that has been very successful competing in a regional space against other regional and much larger national competitors in an industry with which students are seldom familiar. The challenge facing the student analyst is coming up with a defensible set of recommended strategies for a firm that has been very successful in doing what it does to continue to be successful in its competitive space.

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  • ISSN: 15325822
  • SCOPUS: 2-s2.0-77953525356
  • PUI: 359001390
  • SGR: 77953525356


  • O O Sawyerr

  • S C Abraham

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