First PacTrust Bancorp, Inc. operates as the holding company for Pacific Trust Bank, which provides various financial services primarily in San Diego and Riverside Counties, California. The bank offers various deposit accounts, including savings accounts, money market deposits, certificate accounts, and checking accounts. Its loan portfolio includes one- to four-family residential real estate loans; commercial and multi-family real estate loans; construction loans; and consumer loans, such as home equity lines of credit, new and used auto loans, boat and recreational vehicle loans, and loans secured by savings deposits, as well as unsecured loans. The bank also provides commercial...