Company Profile

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 $7.4 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, 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, Private Wealth Management and the largest Trust & Investment Services operation in its markets.

Banking divisions include:

Santa Barbara Bank & Trust, serving Santa Barbara and Ventura Counties.
First National Bank of Central California, serving Monterey and Santa Cruz Counties.
South Valley National Bank, serving Santa Clara and San Benito Counties.
San Benito Bank, serving San Benito County.
First Bank of San Luis Obispo, serving San Luis Obispo County.

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.

Contact Information
Pacific Capital Bancorp
PO Box 60839
Santa Barbara CA 93160
805.564.6405