MONTECITO BANK & TRUST is aln large FDIC-insured commercial bank headquartered in SANTA BARBARA, CA, established in March 17, 1975, midnight. As of 2025-12-31, the bank reported total assets of $2.1B and total deposits of $1.8B. Profitability stands at 0.53% ROA and 6.07% ROE, with a net interest margin of 3.77%. The bank's CET1 capital ratio is 8.19%. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 1.58%. FDIC Certificate #21956.
Assets
$2.1B
Deposits
$1.8B
Loans
$1.3B
Equity
$182M
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