Welcome

Thank you for visiting Desert Commercial Bank, the community-owned and focused full-service bank serving the Coachella and Imperial valleys. Whether it's our multi-feature checking and savings programs, the wide array of loan programs, or the simple convenience of online banking, we have the products and services to help you grow. And then there's our staff: warm, friendly people who believe in the power of a smile.

Banking is more than numbers. It’s about relationships.

Transaction Account
Guarantee Program

Desert Commercial Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, which has been extended through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.
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Senior Management

Tony Swartz

TONY SWARTZ
President and Chief Executive Officer

Mr. Swartz brings more than four decades of banking experience in community banking in California, Arizona, Wyoming and Alaska. Mr. Swartz has served as the Chief Operating Officer for Valley Independent Bank (later acquired by Rabobank). Mr. Swartz has also served as President and Chief Executive Officer of a de novo bank, Fresno First Bank, and was a founding director for Fresno First Bank. Mr. Swartz's background also includes Chief Executive Officer of Frontier State Bank in Arizona.
 
Roberta Cull 

ROBERTA CULL
Executive Vice President and Chief Administrative Officer

Ms. Cull, Executive Vice President and Chief Administrative Officer, brings over 32 years of banking experience to her new post - including more than 16 in the Coachella Valley - Ms. Cull oversees service operations at the Bank. She most recently served as Senior Auditor for Valley Independent Bank (since acquired by Rabobank), where she supervised branch and loan center operational audits, as well as internal investigations. Prior to that, the Niagara Community College graduate held customer service management positions for First Interstate Bank and Home Savings of America. Ms. Cull gives back to the community through her role as a Board member for Valley Crime Stoppers.
Harry Gooding 

HARRY GOODING
Executive Vice President and Chief Financial Officer

Mr. Gooding joined Desert Commercial Bank in October of 2008. Mr. Gooding previously worked as part of the senior management team at the former Valley Independent Bank, which was another community bank in Southern California prior to its absorption by the Dutch-based institution Rabobank. Mr. Gooding spent 14 years at Valley Independent Bank before retiring as Chief Financial Officer in 2005. In total, Mr. Gooding has over 32 years of financial expertise in corporate financial management, business and budget planning, as well as mergers and acquisitions. Mr. Gooding graduated from the University of Oklahoma with a B.A. in Accounting, before going on to Rutgers University and earning a M.B.A. He also served in the United States Navy, in which he received an Honorable Discharge as a Lieutenant in 1972 and continued his service to the country through the U.S. Naval Reserve until 1991, when he retired as Captain.
Ron Schmidt 

RON SCHMIDT
Executive Vice President and Chief Credit Officer

Mr. Schmidt brings nearly 40 years of experience to Desert Commercial Bank. Mr. Schmidt has served almost 17 years as a Chief Credit Officer in coastal Southern California banks, beginning in 1992 with Palos Verdes National Bank and later, at Peninsula National Bank. He took the Chief Credit Officer reins at Bay Cities National Bank in 1995 and stayed until April of 2009. At Desert Commercial Bank, Mr. Schmidt assumes responsibility for managing all aspects of credit risk and loan administration. The Southern California native graduated from Chino High School. He went on to earn his college degree at Pacific Lutheran University.