Pacific Capital Bancorp · Santa Barbara, CA United States ·(NASDAQ (GS): PCBC)
Company Description
View Pacific Capital Bancorp Locations On A US Map
This link will open in a new window
This link will open in a new window The central coast of California is home to the California Missions, Big Sur, The Channel Islands, and Pacific Capital Bancorp, the holding company for Pacific Capital Bank. The bank, which also operates as First Bank of San Luis Obispo, First National Bank of Central California, Santa Barbara Bank & Trust, San Benito Bank, and South Valley National Bank, serves consumers, small to midsized businesses, and high-net-worth individuals through about 50 branches. In addition to community and commercial banking services, Pacific Capital also offers wealth management, trust services, investment advice, tax refund anticipation loans, and tax refund transfer services. To read the full description, subscribe now.
Call Now at 866-464-3202 or Click here for a Free Hoover's Trial!
Key Pacific Capital Bancorp Financials
| Company Type | Public - NASDAQ (GS): PCBC Headquarters |
| Fiscal Year-End | December |
| 2008 Sales (mil.) | $516.6 |
| 2008 Employees | 1,372 |
Pacific Capital Bancorp Executives
21 executives listed for Pacific Capital Bancorp's Santa Barbara, CA location.
| Title | Name & Bio | Contact |
| Chairman, Pacific Capital Bancorp and Pacific Capital Bank | Edward Birch | Network |
| Vice Chairman, Pacific Capital Bancorp and Pacific Capital Bank; Chairman, First National Bank of Central California | D. Vernon Horton | Network |
| Vice Chairman, Pacific Capital Bancorp and Pacific Capital Bank; President, First National Bank of Central California | Clayton Larson | Network |
Competition
Competitive Landscape for Pacific Capital Bancorp
Demand for banking services is closely tied to economic activity and the level of interest rates. The profitability of individual banks depends on marketing skills, efficient operations, and good risk management. Large economies of scale exist in some segments of the industry, which has encouraged industry consolidation. Smaller banks can compete successfully in segments where customer service or knowledge of the local market is more important. The industry is capital-intensive and highly automated: annual revenue per employee is close to $300,000. Many banks and thrifts aggressively offered adjustable rate and subprime mortgages during the housing boom of the early 2000s only to find themselves saddled with loan defaults and extensive losses when the housing bubble burst. Deep exposure to subprime mortgages and mortgage-backed securities caused bank failures, government takeovers, and involuntary mergers. To read the full description, subscribe now.Top Pacific Capital Bancorp Competitors
Call Now at 866-464-3202 or Click here for a Free Hoover's Trial!