What can we say...we know a good thing when we see it and then we support it. In the case of The Hidden Genius Project,   CBB has  had the pleasure of watching this organization from inception. When CEO Bill Keller  first  met the founders of  non-profit  The Hidden Genius Project, Jason  Young  and Ty Moore ,  he  was so impressed with  their endeavor, he offered them office space in the  Bank's building  to move in to the building  free of charge. 
CBB News
CBYAA as of 10-29-15
Financial Results - Q3 2015
"The Bank continued to report a number of important positive trends in the third quarter.  Specifically, it represents the fourth consecutive quarter where the Bank has reported records in the three key balance sheet metrics of total assets, loans outstanding and deposits.  These steady client driven increases reflect the market's acceptance of our relationship-oriented banking philosophy," 

William S. Keller, President and Chief Executive Officer
CBB recipient of Bank Enterprise Award (BEA)
2015 marks the sixth consecutive year where that  our Bank has earned the maximum  grant  by the US Treasury , with its Bank Enterprise Award program.  CBB is a certified Community Development Financial Institution. CDFI Banks positively impact community development  by  providing  credit to  qualified  small and medium sized businesses ,  and non-profit organizations.

Infographic: Impact of CDFIs

10K Financial Challenge
Thrive 'n' Shine 's financial literacy stresses early learning, and skills development  essential to each individual's ability to make empowered and healthy financial decisions.
Through a computer based or mobile app, Thrive 'n' Shine strives to teach our youth about money management, and educational choices, and goals through engagement.  CBB strongly believes  in the  learning outcomes demonstrated by Thrive 'n' Shine. This is why CBB has a  made a  goal of sponsoring 10,000 financial capabilities "challenges" by the end of 2015.

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Help us reach our goal of 10K Financial Capabilities Challenges!
How can you help CBB reach its goal of 10,000 "challenges" by the end of 2015?  You can download Thrive 'n' Shine onto your smart device from the  App Store  or  Google Play Store . To access the web-based version of Thrive 'n' Shine, go to .

Concerns about Cybersecurity? Awareness is key
We have updated our website's Cybersecurity page to include recent threats, definitions of common cybersecurity terms, business protocols, best practices and security tips. We encourage you to take a few minutes to visit the page by typing this into your browser:  Please feel free to forward a link to the page to you clients, and associates.If you have any questions or concerns, please call Chaula Pandya at 510-433-5415.

To order a token, contact: Karen Liang 510-433-5433
Use Tokens to Protect Your Business Online
CBB now requires all business ACH and wire clients to use a Token because it offers an added layer of protection against cyberthreats, identity theft, key loggers and hackers. The fob (pictured here) generates a unique code or "token" that is required to get in to online banking, providing another layer to the multi-factor sign in system. While we require it for all our ACH and wire clients, it is available to all of our clients. 

Bay Area Green Fund
Growing the Green Fund
Deposit growth has been steadily increasing since  we  re-launched the Bay Area Green Fund earl ier  this year.  CBB believes in Sustainably Responsible Investing, and supports the community with the Bay Area Green Fund . A focus of the  BAGF is attracting sustainable business loans.  We have a unique promotion going on through the end of the year, with an opportunity win a Day at Sea with Marine Applied Research & Exploration. see flyer below to enter.

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Apply or Refer
Is Solar a good option for your commercial building?
CBB Partners with Sungevity and Oakland Landlord to Finance Solar on 500 Apartment Units
Oakland-based Sungevity was recently honored at the Oakland Jobs & Housing Coalition's Oakland Legacy Event for the positive impact in job creation and sustainability. Highlighted was a recent project to install solar on 500 apartment units financed by the Bay Area Green Fund at Community Bank of the Bay.  

Oakland News
Uptown Station
UBER purchased the Sears Building in Oakland
Uber purchases the Sears Building: Game Changer
After more than a year refurbishing the 400,000-square-foot office building, Lane Partners and financial partner Walton Street Capital sold it to ridesharing giant Uber for $123.5 million- nearly five times what the investors paid. (SF Business Times)
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Upswing Arieal Dance Winter Concert: Solstice
"Solstice!" is an East Bay favorite holiday alternative since 2005. Produced every other year, this is the 6th production.  "Solstice!" celebrates the longest night of the year with music and dance by some of the Bay Area's finest performers, and includes a Solstice-inspired visual arts installation by Alissa Kaplan-Soto.
This year enter into a winter wonderland with tree spirits, a moon goddess and snowbirds. Experience the music of Dave Worm (SoVoSo', and Bobby McFerrin's a cappella group, Voicestra) and Amar Singh Khalsa & Sahib Amar Kaur Khalsa (California Sound Collective). And see the holiday inspired Teens Who Fly.

Where:  STUDIO 12, 2525 Eighth Street, Berkeley, CA
When:  Dec. 19 @ 8 PM, matinee Dec. 20 @ 3 PM &  Dec. 21 @ 7PM
How Much:  $25 adults/$20 seniors 60+/$10 kids 16 years and under

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Oakland's Fairyland Announces Winterland Celebration Schedule and Events (KRON 4)
The Children's Fairyland in Oakland will kickoff their annual holiday celebration starting the first week of December. Fairy Winterland will be decked out in thousands of twinkling lights and characters will roam the park in special costumes providing live holiday entertainment including musical performances, storytelling, and magic.

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Shop Local on Plaid Friday November 27
The name Plaid Friday  was conceived from the idea of weaving the individual threads of small businesses together to create a strong fabric that celebrates the diversity and creativity of independent businesses. Plaid Friday is the relaxing and enjoyable alternative to the big box store "Black Friday," and is designed to promote both local and independently owned businesses during the holidays.

Learn More

San Mateo News 
Construction Loans
Community Bank of the Bay supports business owners' investments by providing construction loans with various rates and terms. We specialize in providing financing for office, retail, industrial/warehouse and multi-family projects.
Construction loan financing Santa Clara condominium project. 
Christensen & Rafferty Fine Jewelers Celebrate 20th Anniversary with Special Sale Nov 
Celebrate 20 years of helping the Bay Area Sparkle. Join us November 18th through 21st and enjoy up to 70% off a single item and a chance to win a $2,000 shopping spree. Visit our website for details:

Special Thanks to Christensen & Rafferty Fine Jewelers for hosting the CBB Wheel of Prizes at their Wine Tasting Room during the Downtown San Mateo Wine Walk and for donating the Grand Prizes on the wheel, five $100 gift certificates!

Central Park  Nov 14 - Jan 10
CBB is proud to be a sponsor of San Mateo on Ice, real ice skating in Central Park. The ice rink opens to the public on Saturday, November 14th and will be open every day (weather permitting) through January 10, 2016.

More Info

Deadline to Nominate: Dec 1
Sustainable San Mateo is currently accepting nominations for the Sustainability Awards and the deadline to submit a nomination is December 1st. Save the date: Awards Ceremony is March 31, 2016.

Danville News
Colleen Benatar, VP Relationship Manager at Community Bank of The Bay
Colleen Benatar joins CBB
Community Bank of the Bay (OTCBB:CBYAA) welcomes Colleen Benatar as a Vice President, Relationship Manager based in the Danville Office located at 156 Diablo Road.
Prior to joining the Bank, Colleen was Vice President, Relationship Manager for Scott Valley Bank for the past nine years where she was responsible for managing the credit and deposit portfolios of businesses throughout the East Bay.  Colleen has been in the banking industry over 30 years and has extensive experience working in the East Bay market.

Colleen can be reached at (925) 272-4897. 
 Nov 28-Dec 20
  Capes4Heroes is a Non Profit Organization based in San Ramon, CA. 
Whether it be a life threatening illness, disability, or life struggle, Capes4Heroes wants to recognize and empower the true heroes among us, those who showcase their strength and courage each day, by rewarding them with a superhero cape. 
Donate $30 and a sick child will receive a cape and a caped teddy bear. Capes and bears will be delivered the week before Christmas to Kaiser Hospital in Oakland and UCSF. 

Danville Area Chamber of Commerce and the Town of Danville present the Annual Lighting of the Old Oak Tree, a beautiful sight to see this holiday season! The celebration of Father Christmas, Snow Angel, music, and merriment makes for a great way to launch your holiday, all the way down to the last bite of a tasty Christmas cookie.
Lighting of the Old Oak Tree is on November 27th  5:15 p.m. - 8:15 p.m.

Come by the Danville Office for cookies and cider during the tree lighting! 
Stop by Community Bank of the Bay for cookies and cider during the Lighting of the Old Oak Tree in Danville!
SBA News
CBB makes the Top 25 Lenders for SBA 5A loans 
Check out how we stand amongst our peers:
SBA Success Story: La Marcha Tapas Bar 
When Serg and Emily of Nora Spanish Cuisine approached CBB for an SBA loan, they were looking for a space to expand their already successful catering business and add a store front for the community to enjoy Spanish tapas, have cocktails and watch sports. La Marcha Tapas Bar is now open for business 2016 San Pablo Avenue in Berkeley and half the footprint is a commercial kitchen so they can continue to grow the catering aspect of the business. P aella anyone?

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