MONTECITO BANK & TRUST is an 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%. CET1 capital ratio: 8.52%. NPL ratio: 0.23% · Texas Ratio: 1.58%. Operates 16 domestic branches.
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