Pacific Capital Bancorp (NASDAQ: PCBC) is the holding company for Pacific Capital Bank, N.A., the largest independent banking company on the Central Coast of California. With 49 branches and $7.4 billion in assets, the company operates under the local brand names of Santa Barbara Bank & Trust, First National Bank of Central California, South Valley National Bank, San Benito Bank, First Bank of San Luis Obispo, and Pacific Capital Bank. PCB combines the breadth of financial products typically associated with the larger financial institutions with the type of value-added customer service that has differentiated its brands for more than 45 years. The company offers several products that differentiate it among community banks, including successful electronic income tax refund programs, indirect auto finance, commercial equipment leasing, and the largest Trust & Investment Management operation in its markets.
1. Investor Relations website: http://www.snl.com/irweblinkx/corporateprofile.aspx?iid=100652