This is the second in a series of articles featuring interviews with local financial institutions to find out how their role in the community has changed in light of the financial crisis of the last 19 months.

Californians have experience when it comes to earthquakes of the geological kind. But when a local bank fails, it feels like a financial earthquake, making us question the very foundation of our economic security.

The California Department of Financial Institutions closed regional community bank 1st Centennial Bank on January 23.

1st Centennial, based in Redlands with a branch in T...