Pacific Premier Bank Routing Number - Southern California

The Irvine bank that punches above its weight

Pacific Premier Bank operates from Irvine, California - the master-planned city in Orange County that has become one of the densest concentrations of corporate headquarters, tech companies, and financial services firms in the western United States. With roughly $20 billion in assets, Pacific Premier is not the largest bank in Southern California, but it has carved out an outsized role in business lending, particularly through the Small Business Administration's loan programs.

The bank has consistently ranked among the top SBA lenders in its market, originating hundreds of SBA 7(a) and 504 loans annually for small businesses that need capital for expansion, equipment, real estate, or working capital. For business owners navigating the SBA process for the first time, Pacific Premier's dedicated SBA team walks borrowers through the paperwork-heavy application process - a service that larger banks often delegate to junior staff or automated portals.

Growth through acquisition in a crowded California market

Southern California is one of the most competitive banking markets in the country, and Pacific Premier grew into a mid-size player through a steady drumbeat of acquisitions. Between 2014 and 2021, the bank acquired Plaza Commerce Bank, Independence Holdings, Security California Bancorp, Grandpoint Capital, Opus Bank, and several smaller institutions. Each deal added branches, deposits, and lending relationships that would have taken years to build organically.

The Opus Bank acquisition in 2020 was particularly significant, nearly doubling Pacific Premier's asset base and bringing in Opus's specialty in multifamily and commercial real estate lending. The combined institution emerged as one of the most diversified community banks in California, with lending verticals spanning SBA, CRE, C&I, and franchise finance.

Franchise and specialty lending

Beyond SBA lending, Pacific Premier has developed notable expertise in franchise finance - lending to franchisees opening or expanding locations for restaurant chains, fitness studios, retail concepts, and service businesses. Franchise lending requires a different underwriting approach than traditional commercial lending: the bank must evaluate not just the borrower but the franchisor's system, unit economics, territory demographics, and franchise agreement terms.

Pacific Premier's franchise lending team handles these complexities with an efficiency that attracts multi-unit franchisees who are scaling quickly and need a lender that understands the playbook. This niche has made the bank a preferred lender for several national franchise systems operating in the western U.S.

Routing number 122242869 and account details

Pacific Premier Bank uses routing number 122242869 for all personal and business accounts. The 122 prefix identifies the bank as processed through the Federal Reserve Bank of San Francisco's Los Angeles branch. This routing number applies to ACH transfers, direct deposit, and bill payments. For domestic wire transfers, use the same routing number.

Verify your routing number through the Pacific Premier online banking portal or mobile app. Former customers of any Pacific Premier acquisition target should confirm their routing number has been updated, as legacy routing numbers from acquired banks are eventually deactivated.

Operational finance tools for growing businesses

Pacific Premier excels at getting capital into the hands of small businesses - but once that capital is deployed, managing the resulting spend, payroll, and vendor payments requires tooling that most community banks were not built to provide. Slash closes that gap with corporate cards, automated expense management, and financial dashboards that give business owners the same real-time visibility into their operations that Pacific Premier's loan officers bring to the underwriting process.

For SBA borrowers and franchise operators who move fast and manage multiple cost centers, Slash offers the financial control layer that turns a well-structured loan into a well-run business.