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	SEC FILE NUMBER
	00049806
	CUSIP NUMBER

(Check one):

If the notification relates to a portion of the filing checked above, identify the Item(s) to which the notification relates:

First PacTrust Bancorp, Inc.

Full Name of Registrant

Former Name if Applicable

18500 Von Karman Ave, Suite 1100

Address of Principal Executive Office (Street and Number)

Irvine, California, 92612

City, State and Zip Code

If the subject report could not be filed without unreasonable effort or expense and the registrant seeks relief pursuant to Rule 12b-25(b), the following should be completed. (Check box if appropriate)

[ x ]
			(a)		The reason described in reasonable detail in Part III of this form could not be eliminated without unreasonable effort or expense
			(b)		The subject annual report, semi-annual report, transition report on Form 10-K, Form 20-F, Form 11-K, Form N-SAR or Form N-CSR, or portion thereof, will be filed on or before the fifteenth calendar day following the prescribed due date; or the subject quarterly report or transition report on Form 10-Q or subject distribution report on Form 10-D, or portion thereof, will be filed on or before the fifth calendar day following the prescribed due date; and
			(c)		The accountant's statement or other exhibit required by Rule 12b-25(c) has been attached if applicable.

State below in reasonable detail why Forms 10-K, 20-F, 11-K, 10-Q, 10-D, N-SAR, N-CSR, or the transition report or portion thereof, could not be filed within the prescribed time period.

As previously reported, the Company recently announced changes in its senior management that occurred subsequent to the time the Company filed its last quarterly report on Form 10-Q. Those changes have included the departure of the Company's prior Chief Executive Officer and the appointment of a new Chief Executive Officer, as well as the resignation of the Company's current Chief Financial Officer and the appointment of a new Chief Financial Officer who will assume that role immediately following the filing of the quarterly report on Form 10-Q for the quarter ended September 30, 2012. The Company also announced the appointment of a new Chief Financial Officer of Pacific Trust Bank, a wholly owned subsidiary of the Company, and the appointment of a new Treasurer. In addition, as previously reported, the Company completed the acquisitions of both Beach Business Bank and Gateway Business Bank during the quarter ended September 30, 2012. In order to accomplish an orderly transition of the Company's finance and accounting functions, and sufficiently address the complex accounting issues associated with the two acquisitions during the quarter, the preparation of the Company's Quarterly Report on Form 10-Q for the quarter ended September 30, 2012 could not be completed in time to permit a filing on or before the prescribed due date. Additional time is therefore required to finalize the report and the Company expects to be able to file the Form 10-Q for the quarter ended September 30, 2012 no later than five calendar days after its prescribed due date.

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