American Pacific Bank (the Bank) provides service to customers living throughout Oregon and Southwest Washington in the areas of construction lending, commercial loans, permanent mortgages, business financing, consumer loans, credit cards and deposit services. The Bank also provides full Internet banking and bill payment services to its customers through its online delivery channel, American OnLine Bank. A special niche the Bank serves is immigrants and clientele from the Pacific Rim and Latin America, with bilingual customer service tailored to their needs.