The construction lending team will include vice presidents Michael Barnett and Maribel Flores. They will be handling all types of construction lending to include single family and commercial development, as well as rehabilitation loans for single family residences.

Jeffrey Ball, CEO of Friendly Hills Bank, said: Fred Cartozian and his group are seasoned bankers who have a solid customer base in our local and surrounding communities. Despite current economic conditions, our focus on relationship banking has provided us with continued opportunities to service strong and experienced developers on sound projects.