Pacific Capital Bancorp operates as the bank holding company for Santa Barbara Bank & Trust, National Association that provides various commercial and consumer banking services to households, professionals, and businesses. It offers depository services, such as checking accounts, interest-bearing checking accounts, money market demand accounts, individual retirement accounts, savings accounts, and certificates of deposit. The company also provides loan products, including commercial and industrial loans, commercial real estate loans, lines of credit, letters of credit, asset based lending, construction loans, and land acquisition and development loans to small business and middle market commercial clients; residential real estate loans, home equity lines and loans, and consumer loans to individual clients; and small business administration loans. In addition, it offers safe deposit boxes, travelers’ checks, money orders, foreign exchange services, and cashiers’ checks; trust and investment advisory services; investment reviews, analysis, and customized portfolio management for separately managed accounts; full service brokerage; trust and fiduciary services; equity and fixed income management services; and real estate and specialty asset management services. As of December 31, 2011, the company operated 47 branches in the central coast of California. Further, it serves clients through loan production centers, automated teller machines, and customer contact call centers, as well as offers services through online banking. The company was founded in 1960 and is headquartered in Santa Barbara, California.