 The bank was established to serve the local Chinese community, but unlike those traditional overseas Chinese banks in the United States established earlier, a significant portion of the Tomato Bank clientele are wealthy Chinese immigrants either engaged in international trade and real estate business, or professionals.One unique feature of the bank is that unlike other banks, the founder of this bank is a physician instead of a businessperson.However, Dr. Stephen Liu does have managerial training in that he has earned a master's degree in healthcare management from University of California, Los Angeles after gaining his doctor of medicine (M.D.)