Pacific Capital Bancorp, (Nasdaq:PCBC) is the holding company for Pacific Capital Bank, N.A., the largest independent banking company headquartered on the Central Coast of California. With 48 branches and $7.0 billion in assets, the company operates under the local brand names of Santa Barbara Bank and; Trust, First National Bank of Central California, South Valley National Bank, San Benito Bank, Pacific Capital Bank, and First Bank of San Luis Obispo. 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 and; Investment Services operation in its markets. Pacific Capital Bancorp is a partnership which keeps its banks firmly rooted in their communities with local leadership, responsiveness and flexibility while accruing its shareholders the economic benefits of shared technology, operating efficiencies, product development and financial services diversity. This partnership provides all the financial services breadth and expertise of larger banks while defining the premier standard of customer service driven banking in their neighborhoods.
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