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Company Overview 

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C3bank…Who are we?

C3bank is a customer focused banking institution. The clients we serve and the relationships we have developed are just as important as the accounts we maintain. We are committed to offering premier banking services and continuous improvement of our product lines and offerings.

Originally founded in 1981, C3bank was brought back to its entrepreneurial culture when three local investors purchased the bank in 2014. Since that time, the bank has made significant investments to allow for enhanced customer offerings resulting in strong loan and depositor growth and a customer oriented culture. In April of 2017, we relaunched our new brand of “C3bank.” We remain committed to continued improvement to best serve our customers.

We meet clients’ needs through three key differentiators: strong customer connections, technology and access to decision makers.


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Build loyal relationships with our clients and our community

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Focus on your business, not your banking

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Direct access to management for quick decisions


With offices currently located in Encinitas, Riverside, Lake San Marcos, and Nashville, along with a strong online presence, C3bank offers a complete range of banking services. We take great pride in providing excellent customer service that only a focused institution can offer. Our corporate culture and decisions are driven by core values that contain key commitments to our customers, shareholders, employees, and the communities we serve. The success we have achieved to date, combined with excellent asset quality and a strong capital position, has the bank positioned to build its banking franchise and ensure our customers have a solid partner.

Officers & Board of Directors

At C3bank, our goal is to build loyal relationships with clients, shareholders, employees, and our community. As a bank founded by entrepreneurs, we understand your business needs and strive to help keep you focused on your goals with access to management and immediate response from our team.
We are committed to offering modern technology for the most efficient, reliable and professional service, enabling you to stay concentrated on your business, not your banking. Our experienced staff delivers honest and consistent communication with concierge banking and personalized care. It's the relationships with our clients that create the greatest value for us and the greatest benefit for you.


Michael Persall

Michael A. Persall - Chairman

Michael Persall is Founder and Chairman of ABP Capital and is the Owner and Chairman of C3Bank, a nationally chartered bank he and his partners acquired in 2014. Mr. Persall is also a Founder and Board Member of Blooma—an AI-powered loan origination platform—and is a Lead Investor and Board member for Vuori—a performance apparel company.

Mr. Persall graduated with a Bachelor's of Accounting from the University of San Diego and began his career with Ernst & Young as a CPA before serving in executive and board member roles with companies specializing in banking, real estate, and construction. Prior to founding ABP Capital, he founded Persall Group, which focused on investments in real estate, distressed assets, securities, and commercial notes. During his career, Mr. Persall has deployed over $2 billion across investments in loans, real estate, equities, banks, and more.

Philanthropically, Mr. Persall is an active supporter of the Juvenile Diabetes Research Foundation (JDRF) and the Diabetes Research Connection. He is also a member of the Board of Trustees for the University of San Diego and is an active member of YPO.

AJ Moyer

A.J. Moyer - Director

Adam J. (A.J.) Moyer joined C3bank in May 2014 as Vice President of Finance and then served as Chief Financial Officer beginning in December 2014. Mr. Moyer was then promoted to President and Chief Executive Officer in March 2016. Mr. Moyer is a Certified Public Accountant with over 13 years of prior experience in financial planning and analysis during which he worked closely with the analysis of revenue, operating expenses, cash flows, business ventures, negotiations, acquisitions, product launches, and other activities. Before joining the Bank, Mr. Moyer served as the Vice President of Financial Planning and Business Development at Behr Process Corporation, the largest supplier of premium paints and stains to the North American Do-It-Yourself home improvement market. Prior to his role at Behr, Mr. Moyer served as a Senior Auditor at KPMG, providing business assurance services to publicly and privately held companies in a variety of industries. Mr. Moyer graduated Valedictorian of his class at the University of San Diego with a Bachelor's of Accounting.

Phil Broderick

Phil Broderick - Director

Phillip H. Broderick is Chief Operating Officer (“COO”) of ABP Capital and also serves on the Board of Directors of C3bank. As COO, Phil oversees ABP’s nationwide loan origination, underwriting, and asset management platforms as well as the firm’s real estate acquisition & development platform. Phil began his career with KPMG as an Auditor before transitioning into the homebuilding industry where he served as Controller for Ryland Homes (formerly NYSE: RYL) and William Lyon Homes. In these roles, Phil was responsible for monthly financial statement preparation in addition to business planning and forecasting. Phil then served as a Controller for a Regional General Contractor overseeing the accounting and finance departments for the company. Phil is a California Certified Public Accountant and received his Bachelor’s of Accounting from the University of San Diego.

Paul Becker

Paul WM. Becker - Director

Paul Becker is a Founder and Member of ABP Capital, C3 Capital, and affiliate companies. He is responsible for overseeing the financial direction across all affiliated entities. Paul is also a member of the Board of Directors for C3bank.

Paul began his career in public accounting with Deloitte before becoming Vice President of Finance at Communications Components Corporation (“CCC”). While with CCC, he served on the Board of Directors until it was acquired by Rockwell International Corporation, at which point he transitioned to the Controller of Collins General Aviation Division of Rockwell in Costa Mesa. In 1981, Paul and Evert “Chooch” Alsenz, another member of ABP Capital, formed ABI, Ltd., an engineering partnership and owner/developer of nationwide commercial real estate. ABI went on to form Piezoelectric Technology Investors, LP to fund the development of the world’s first quartz-based solid state gyroscope. After patenting the developed technology, the exclusive license was sold to Thorn EMI. Today, this angular rate sensor technology is integrated in braking systems of millions of autos manufactured around the world and is the latest standard used for missile guidance and aircraft systems. Paul and Chooch went on to start Avant Systems (later merged into Trivec­-Avant), a group that designed, built, and sold lightning diversion strips and surge protection equipment for aircraft. Both companies were then sold in 2011 and 2012, respectively.

Richard Skay

Richard M. Skay, O.D. - Director

Richard M. Skay, O.D. earned his Doctor of Optometry from the Southern California College of Optometry in 1982 and has been in private practice of optometry since that time. In 2013, Dr. Skay earned the honor of the San Diego County Optometrist of the year. Dr. Skay currently serves as the President of the San Marcos Educational Foundation, the Chairman of the Board of Director for Job Options, and is a member of the Kiwanis Club of Lake San Marcos. Additionally, Dr. Skay serves the San Diego County Optometric Society Board as Governmental Affairs Chairman.

Drew Brees

Drew Brees - Director

Drew Brees, C3bank Board of Directors member and former quarterback for the New Orleans Saints, continues to make a lasting impact through a range of successful ventures including commercial real estate investment, business and franchise ownership, restaurant partnership, and much more. In addition to his business accomplishments, Drew and his wife, Brittany, have made a profound philanthropic impact on society through the Brees Dream Foundation contributing over $45 million to improve the quality of life for cancer patients and provide valuable assistance to various community charities.

Prior to Drew’s 20-year career in the National Football League, he received his Bachelor’s of Industrial Management in 2001 from Purdue University. In 2008, he pursued higher education at the Stanford Graduate School of Business, focusing on NFL Business Management and Entrepreneurship.

Drew Brees's journey from football legend to philanthropist and entrepreneur is a testament to his multifaceted talents and unwavering dedication to making a positive impact on the local and global community.

Executive Management

A.J. Moyer

A.J. Moyer

President/Chief Executive Officer

Tommy Wornham

Tommy Wornham

Chief Banking Officer


Cortney Topp

Chief Financial Officer


Bryan Downie

SVP/Chief Credit Officer

 Dina Matias

Dina Matias

Director of Operations Administration

Ashley Franco

Ashley Franco

Senior Counsel

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