Bob Lussier Updated

San Francisco-based Trans Pacific National Bank has managed to find opportunity in a difficult situation: creating credit lines for doctors who face delays in Medicare reimbursement over the next several weeks as their staffs adjust to more complex billing codes.

For those blissfully unaware, Medicare implemented an “enormous expansion” of the codes Medicare and private insurers and doctors use to determine payment for services, the Wall Street Journal reported. Despite extensive training and preparation, the change isn’t likely to occur without some speed bumps.

Doctors’ professional groups and financial advisers have been advising practices have two to three months of working capital on hand to absorb any delays in payment.

Trans Pacific CEO Bob Lussier credits the idea for the specialized credit line to Dr. Robert Murray, the San Francisco Giants’ team physician. Murray hit a home run when he told one of Trans Pacific’s directors that many small practices were bracing for Medicare reimbursement delays.

The credit lines, most for a couple hundred thousand dollars, incur interest at well under 10 percent, Lussier said.

Lussier, who is quick to say that many banks are eager to provide loans and other financial services to doctors, said he’s hoping the treatment doctors receive at Trans Pacific prompt them to do more business with the bank. For instance, some banks require doctors or their staffs to come to the bank to process paperwork. Trans Pacific often sends its bankers to the doctor’s office.

“You might say, ‘We make house calls,’ ” Lussier said.

  • Posted in News
  • Comments Off on S.F. Giants’ team physician spurs bank to create credit line easing doctors’ Medicare pain

September 30, 2015 11:00 AM Eastern Daylight Time

SAN FRANCISCO–(BUSINESS WIRE)–October 1, 2015—Robert F. (Bob) Lussier, CEO/president of Trans Pacific National Bank (, today announced that the Bay Area community bank would immediately begin offering specialized lines of credit to physicians and medical practices that were transitioning to the new federally-mandated coding procedures for billing.

The October 1 implementation of U.S. Health and Human Services-required ICD-10-CM diagnoses codes and ICD-10-PCS inpatient hospital procedure coding is expected to cause short term problems and many medical organizations are cautioning their members to prepare themselves for slower reimbursements.

“We have designed an easy to establish, customized line of credit (LOC) program,” said Lussier, “that will ease the pressure caused by delayed reimbursements.”

Recently, a nationally-recognized accounting firm said that “healthcare organizations are in for a rude awakening when they finally realize what effect the new standards will have on their…cash flow.” The most immediate impact is delayed payments on billings. As a result, medical and surgical societies recommend that practices have at least 90 days of cash in reserves during this transition period.

Writing for Healthcare IT News and Healthcare Finance, Carl Natale warned, “It’s no secret that ICD-10 implementation could hurt a medical practice’s revenue cycle worse than walking into a lamppost.”

Trans Pacific National Bank, which has offices in the Financial District of San Francisco as well as on the Peninsula and in the East Bay, will also provide a business checking account and waive the monthly service charges for a year for medical office lines of credit opened before December 1.

About Trans Pacific National Bank

Trans Pacific National Bank, a privately-held company founded in 1984, has three offices in the San Francisco Bay Area: Alameda, Millbrae and the Financial District of San Francisco. It provides a full complement of commercial and consumer financial services, with an emphasis on small business loans, SBA, 7(a) and 504, C&I, commercial real estate loans as well as cash management. Additional information can be obtained at ( or 415-543-3377.

  • Posted in News
  • Comments Off on Trans Pacific National Bank to Provide Customized Lines of Credit for Medical Practices As New Coding Procedures Start

For immediate release


Popular Restaurant and Nightspot

Returns with Late Summer Opening

In New Market Square Building Location


San Francisco/Sausalito, CA—July 2, 2015—Trans Pacific National Bank, a growing Bay Area community bank, and Breakaway Funding LLC, a securities-based crowd funding   portal, today announced that they have combined to provide seed funding which will allow the long-time San Francisco favorite Cadillac Bar & Grill to “re-open” at a new location in the Market Square Building (44 9th Street at Market Street).

“This is something to celebrate,” said Breakaway founder Kim Kaselionis and Trans Pacific CEO Bob Lussier in a joint announcement. “Cadillac was one of San Francisco’s most popular night spots for many years and this new prime location is the ideal site to introduce its vibe to a new generation of San Franciscans while providing a familiar spot to its long-time patrons.”

Michael Rodriguez, a founding partner of the original Cadillac Bar founded in 1983, is ecstatic about the new location. “We pioneered a lively bar and grill experience that people remember, now we get to do it again. The restaurant garnered a strong following of customers and high praise from national and local food critics, making The Cadillac a San Francisco landmark. Unfortunately, due to the expansion of the Moscone Center in 1999, The Cadillac was forced to close its doors.”

Completion of the new restaurant is expected to be completed in time for a late summer opening.

Employing Breakaway’s Community Capital Marketplace approach to financing, the project drew on Rodriguez’s personal funding, significant capital provided by investors via crowdfunding with the final funding provided by a commercial loan from Trans Pacific. “In an environment which makes it so difficult for entrepreneurs and business owners to get access to the capital they need to launch and grow, I am thrilled to see Trans Pacific National Bank, a local community bank, be a leader and role model for others in the industry,” said Kaselionis.

“We saw this as a great opportunity to help a business make it work,” said Lussier. “While banks are often restricted by their rigid internal policies about whom they will lend to, we try to find ways to go above and beyond to find the right financing vehicle that will work for small businesses. We recognize that they are vital components of local economies. In this case, we recognized that Cadillac had secured an ideal location, had a successful business model and had significant community support via its crowdfunded investors. Working with Kim and Michael we found a way for them to complete the project.”

Located between 9th just south of Market Street, the new Cadillac Bar & Grill location will occupy approximately 8000 square feet in a building that has parking for 350 automobiles. Cadillac expects to employ about 70 people and will be open seven days a week from 11 a.m. and to 11 p.m., serving lunch and dinner and will host Happy Hour from 3 p.m. -7 p.m. daily. The Market Square building houses more than 2000 Twitter employees.

 About Trans Pacific National Bank

Trans Pacific National Bank, a privately-held company founded in 1984, has three offices in the San Francisco Bay Area: Alameda, Millbrae and the Financial District of San Francisco. It provides a full complement of commercial and consumer financial services, with an emphasis on small business loans, SBA, 7(a) and 504, C&I, commercial real estate loans, as well as cash management.

  • Posted in News
  • Comments Off on Trans Pacific National Bank Provides Financing for Cadillac Bar & Grill

San Francisco Business Times on May 08, 2015

Bob Lussier Previously Led $2 Billion Community Bank With Branches in Illinois, Arizona

Bob Lussier

San Francisco—May 2015 –Trans Pacific National Bank ( today announced the appointment of Robert F. (Bob) Lussier as CEO and president for the community bank which has offices in San Francisco, Alameda and Millbrae.

Lussier joins Trans Pacific after having served as president of Chicago-headquartered Parkway Bancorp, which has 32 branches in Illinois and Arizona and more than $2 billion in assets.  At Parkway, he was promoted to president of the Bancorp in 2006, having held increasingly senior positions after joining the bank in 1991 as president of one of its community subsidiary banks.

“Bob’s experience and expertise will be the key component as we develop a new core strategy for our bank,” said Trans Pacific National Bank chairman Denis Daly. “He is a dynamic leader and, having previously built a broader franchise for a community bank, we are confident that his vision will help us become a leading financial institution, serving the needs of small businesses in the Bay Area.”

At Trans Pacific,  Lussier will combine his expertise in strategic development and his operational experience in commercial lending and real estate as the Bank begins to reposition itself.

“This is an exciting period to be joining Trans Pacific,” he said.  “We have a presence in the key regions of the Bay Area, an unparalled commitment to serving our communities and, as a growing small business oriented community bank, a significant opportunity to take a leadership position in the robust Northern California economy.”

Lussier brings more than 25 years of senior level financial services experience to his new post.  Previously, he had also been the president of two start-up banks and led Parkway’s integration of an acquired Arizona bank, increasing the branch network to eight from a single location.

“I will focus on leveraging my broad background in commercial and community banking.  The Bay Area is an extremely dynamic region and provides major opportunities for a small business bank like ours where the customers can get to know the decision makers and talk to the president at any time,” he said.

During his career, Lussier has:

  • Generated new banking relationships, as president of two start-up banks in the 1990’s, serving three distinct Chicago communities and managed customer retention and long term growth of two additional acquired banks
  • Grown Arizona assets from $35 million to over $200 million and expanded the bank from one location to an eight-branch network over an eight-year period.
  • Overseen the growth at Parkway from $1 to $2 billion in assets.
  • Served on the Parkway board committees overseeing strategic planning, loans, compliance, CRA advisory, insurance, ALCO and trust.

Lussier, who resides in Tiburon, has also served in senior positions at American National Bank and the Federal Maritime Commission.

A graduate of the University of Virginia with a degree in Economics, he also holds an MBA (Business and Finance) from DePaul University.  He served on the boards of the Builders Association of Greater Chicago and the Northwest Association of Realtors as well as several Chambers of Commerce.


  • Posted in News
  • Comments Off on Trans Pacific National Bank Names Veteran Financial Services Executive As New CEO/President

TPNB Online Banking NEW Multifactor Authentication Update

April 23rd, 2014 by Ivy Suryasentana

Important News for our Online Banking users!

Beginning Thursday, May 29, 2014, your Image & Pass Phrase will no longer be displayed when you log in to Online Banking.

We’re making it easier for you to access your account online, while continuing to protect you and your money with our powerful, multilayered security system. A NEW Multifactor Authentication Device Security, Extended Validation (EV) Certificates is replacing the older image/passphrase feature for both Personal Online Banking and Business Online Banking.

Effective Wednesday, April 23, 2014, EV Certificate will change the Retail Online and Business Online website URL address bars to GREEN, providing you with visual confirmation that you are on a valid secured website. In addition, EV certificates provide a special field that appears with the name of the legitimate website owner, in our case, (Fiserv, Inc).

Security you can check:

Before entering your password or answering the Security Challenge, check your browser’s address bar. We’ve added an additional layer of security that shows if you are connected to a safe server. If your browser’s address bar is GREEN, your connection is safe. If it’s not GREEN, stop your log in process and contact us.

Here’s how the GREEN address bar may appear in your browser.

EV Certificate Online Banking

We want you to know your account is safe with us. If you have any questions about the security we use for our online services, feel free to contact us at or contact one of our branch locations.

  • Posted in News
  • Comments Off on TPNB Online Banking NEW Multifactor Authentication Update

TPNB is Safe and Secure

April 14th, 2014 by Ivy Suryasentana

Recently, a bug called the Heartbleed Bug has been discovered which could compromise a lot of data on the internet.  TPNB is posting this notice to help our customers learn:

  • What TPNB has done to protect our customers;
  • What the Heartbleed Bug is; and
  • What you can do to protect yourself.

What is the Bank doing to protect you?

At Trans Pacific National Bank, we know that security is one of our customers’ top priorities.  TPNB has worked diligently and determined that TPNB’s Online Banking and website are not affected by the Heartbleed Bug.   Your personal and financial information is safe with us.

What is the Heartbleed Bug?

The Heartbleed Bug is a serious vulnerability in the popular OpenSSL cryptographic software library.   What is that?  This is what many sites use to protect your information on the internet.  Many popular social sites, business sites, online shopping sites, and even sites run by the government might be vulnerable.

If you would like to learn more about the Heartbleed Bug, go to the website

What can you do to protect yourself?

Many businesses are working to update their sites to respond to the Heartbleed Bug.  Here is what you can do to protect yourself:

  • Once sites have been updated and patched, change your passwords to any sites that require a username and password.  This includes sites such as email services, online retail stores, and online banking and credit card sites.  Changing your password is a precaution that will prevent anyone who has obtained your username and password from accessing your information online.
  • Keep up on the latest news to find out if any sites you use have been compromised or updated.

The following list includes some password best practices:

  • Use longer, complicated passwords that include letters, numbers and special characters.  The longer and more complicated your passwords are, the harder they are for a fraudster to figure out.
  • Use different passwords for each site.  This is a hard one; how do we remember all those passwords?  However, if a fraudster gets the password for one site, they will only have access to that site.  If all your passwords are the same, that fraudster could access any site using that password, especially if you use the same usernames for those sites.
  • Change your password every six months or so, especially for financial sites.
  • Keep your passwords secure and don’t share them with others.
  • Posted in News
  • Comments Off on TPNB is Safe and Secure

SF Branch Relocating on January 21, 2014

December 12th, 2013 by mswartz

Our New SF Branch premises is located at 88 Kearny Street, Suite 1750, San Francisco, CA 94108 with extended new banking hours Monday to Friday, 9:00a.m to 5:00p.m. The approximate walking distance between the previous branch location and the new branch location is 0.2 miles. We will keep you informed on any changes to the moving date if the remodel takes longer than expected.

View Larger Map

  • Posted in News
  • Comments Off on SF Branch Relocating on January 21, 2014

Millbrae Manager Maria Jack Joins Rotary

March 15th, 2013 by Ivy Suryasentana

Millbrae Branch Manager Maria Jack

Congratulations to the new Millbrae Rotarian – Maria Jack, Branch Manager of our Milbrae Branch!







TPNB Supports Millbrae Excellence in Business Award Winners

January 29th, 2013 by Ivy Suryasentana

Millbrae Mayor Gina Papan with CAO Michael Delucchi, Millbrae Manager Maria Jack, and Customer Service Specialist Shirley Chow

Trans Pacific National Bank’s management and Millbrae Branch staff attended the Millbrae Chamber of Commerce and Rotary Club’s Excellence in Business Awards Dinner where local businesses were recognized for their accomplishments.  The event was held at the El Rancho Hotel in Millbrae.  Later that week the Millbrae staff supported Business of the Year winner Amelia’s Antics by sponsoring their Ladies Night Celebration.





  • Posted in News
  • Comments Off on TPNB Supports Millbrae Excellence in Business Award Winners

Santa Claus Visits Trans Pacific National Bank

December 16th, 2012 by Ivy Suryasentana

[singlepic id=528 w=320 h=240 float=right]On December 15th and 16th Santa Claus made his annual visit to the Alameda and Millbrae offices of Trans Pacific National Bank taking pictures with over 200 good boys & girls.  More than 400 customers and other moms and dads enjoyed hot apple cider, coffee, and holiday treats.  Each child received a candy cane and a goody bag filled with surprises from Santa.  With enough smiles, holiday tunes, and Christmas cheer to go around people couldn’t say enough about how wonderful it was that TPNB had Santa visit for this special free event for the community.

Click here to see the Santa Pictures from Alameda (12/15/12)

Click here to see the Santa Pictures from Millbrae (12/16/12)