Our Team

Bob Franko

Co-Chief Executive Officer

Bob Franko is the Co-CEO of the TerraCotta Group. He is responsible for overseeing the strategic growth of the business, including marketing, finance, capital raising, and certain human resource aspects of the business.

Mr. Franko’s career in commercial banking spans more than 35 years. He has a long history of supporting M&A transactions, both on the buyer and seller sides, and served as one of TerraCotta’s lead bankers for many years. Prior to joining TerraCotta, Mr. Franko was President & CEO of First Choice Bancorp (FCBP) and First Choice Bank, where he successfully grew the respective businesses – including taking FCPB public in 2018 – while maintaining high earnings and high returns on assets and on tangible equity. Prior to that, Mr. Franko was President & CEO of PacTrust Bank and Beach Business Bank, a commercial bank that he founded and grew to be one of the most successful community banks organized in California.

Prior to Beach Business Bank, Mr. Franko held executive management positions at various banks, including Generations Trust Bank (which he founded), First National Bank of San Diego, City National Bank, Imperial Bank, and Imperial Bancorp.

Mr. Franko has been a long-time director of TIB, the largest bankers’ bank in the United States, and served as Chairman of the TIB Board from 2019 to 2021. He has also served as Chairman of the California Bankers Association’s Wealth Management Committee.

Mr. Franko received his undergraduate degree from the University of Notre Dame and his MBA in International Finance from the Thunderbird School of Arizona State University.

Bob Franko