EXHIBIT 23.2 CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS INDEPENDENT AUDITORS' CONSENT We consent to the incorporation by reference in this Pre-Effective Amendment No. 1 to Registration Statement No. 333-89013 of SJNB Financial Corp. on Form S-4 of our report dated January 22, 1999, appearing in the Annual Report on Form 10-K of Saratoga Bancorp for the year ended December 31, 1998, and to the reference to us under the heading "Experts" in the Prospectus, which is part of such Registration Statement. /s/ Deloitte & Touche LLP DELOITTE & TOUCHE LLP San Jose, California October 25, 1999