At first glance, this sleepy hamlet - home to towering redwoods and aging Grateful Dead fans - doesn't appear a good fit for a bank with roots in South San Francisco.

South San Francisco, 70 miles north of Ben Lomond, is an utterly urban area. Home to San Francisco International Airport, it has a population of more than 54,000, and its nickname, "the Industrial City," leaves little doubt about its character.

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