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Coast National Bank, a community bank, provides commercial banking services to consumers and businesses in California. It offers checking accounts, including senior checking and business checking; personal and business money market accounts; and business savings accounts, time certificates of deposit, and individual retirement accounts. The company also provides business loans, such as business lines of credit, equipment loans, SBA loans, commercial real estate lending, overdraft protection, and working capital loans; and personal loans, such as residential construction loans, home equity loans and lines of credit, auto loans, overdraft protection, and other installment loans. In addition, it offers merchant bank card services, payroll services, electronic bill pay, online banking, and bill pay services. The company was founded in 1997 and is based in San Luis Obispo, California with additional branches/ATMs in Arroyo Grande and Paso Robles, California. Coast National Bank operates as a subsidiary of Coast Bancorp.