NorCal Community Bancorp operates as a holding company for Bank of Alameda, which provides commercial banking services for small to mid-sized businesses in the United States. The bank accepts personal checking accounts, savings accounts, money market deposits, NOW accounts, and time deposits, as well as certificates of deposit. It also offers commercial loans; agricultural loans; residential, commercial, and construction real estate loans; and residential loans, such as mortgage loans, home equity lines of credit, and home equity loans. Further, it offers safe deposit boxes, cashier's checks, wire transfer, night drop deposit services, linked overdraft protection, and credit cards. As of December 31, 2005, the bank operated six offices in Alameda County, three branches in the city of Alameda, two commercial banking offices located in Emeryville and Oakland, and a loan production office in Walnut Creek. The company was founded in 1998 and is headquartered in Alameda, California.