Branch Presence
Banks with Branches in Santa Barbara, CA
Bank of America, N.A. is the biggest bank in Santa Barbara, CA, with $1.34B in deposits at its Santa Barbara branches, 22.0% of the city's total as of the June 30, 2026 FDIC Summary of Deposits. Montecito Bank & Trust has the most branches here, with 5.
16 banks operate 31 branches in Santa Barbara, CA, ranked below by local branch count from the FDIC Summary of Deposits. This counts every bank with a branch here, not only banks headquartered locally.
Deposit share is each bank's share of the $6.09B held in Santa Barbara, CA, as of the June 30, 2026 FDIC Summary of Deposits, ranked by deposits (#1 is largest). Banks that book deposits at a headquarters branch can show a share that exceeds their local customer base.
| Bank | Branches in Santa Barbara | Local deposits | Deposit share |
|---|---|---|---|
| Montecito Bank & Trust | 5 | $566.4M | 9.3% (#5) |
| U.S. Bank N.A. | 4 | $514.9M | 8.5% (#6) |
| Bank of America, N.A. | 3 | $1.34B | 22.0% (#1) |
| Wells Fargo Bank, N.A. | 3 | $964.5M | 15.8% (#3) |
| Mechanics Bank | 3 | $135.2M | 2.2% (#10) |
| JPMorgan Chase Bank, N.A. | 2 | $1.08B | 17.8% (#2) |
| American Riviera Bank | 2 | $622.0M | 10.2% (#4) |
| Columbia Bank | 1 | $286.8M | 4.7% (#7) |
| Community West Bank | 1 | $143.3M | 2.4% (#8) |
| The Northern Trust Company | 1 | $135.4M | 2.2% (#9) |
| Farmers and Merchants Bank of Long Beach | 1 | $102.0M | 1.7% (#11) |
| First Bank | 1 | $68.3M | 1.1% (#12) |
| BMO Bank N.A. | 1 | $55.2M | 0.9% (#13) |
| Citizens Business Bank, N.A. | 1 | $32.0M | 0.5% (#14) |
| Poppy Bank | 1 | $26.4M | 0.4% (#15) |
| Bank of the Sierra | 1 | $16.5M | 0.3% (#16) |
County deposit market: Santa Barbara, CA
The $14.10B held across 20 FDIC-insured banks in this county, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown; see every bank in the Santa Barbara, CA market with its change from a year earlier. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, N.A. | 18.2% | $2.57B | 9 |
| 2 | Wells Fargo Bank, N.A. | 15.8% | $2.22B | 9 |
| 3 | Bank of America, N.A. | 15.2% | $2.14B | 7 |
| 4 | U.S. Bank N.A. | 11.4% | $1.60B | 11 |
| 5 | Montecito Bank & Trust | 10.4% | $1.47B | 12 |
| 6 | Mechanics Bank | 7.6% | $1.07B | 12 |
| 7 | American Riviera Bank | 5.5% | $780.3M | 4 |
| 8 | Columbia Bank | 4.4% | $619.5M | 2 |
| 9 | Community Bank of Santa Maria | 2.5% | $350.4M | 2 |
| 10 | Community West Bank | 2.3% | $321.0M | 4 |
Metro area deposit market: Santa Maria-Santa Barbara, CA
The $14.10B held across 20 FDIC-insured banks in this metro area, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown; see every bank in the Santa Maria-Santa Barbara, CA market with its change from a year earlier. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, N.A. | 18.2% | $2.57B | 9 |
| 2 | Wells Fargo Bank, N.A. | 15.8% | $2.22B | 9 |
| 3 | Bank of America, N.A. | 15.2% | $2.14B | 7 |
| 4 | U.S. Bank N.A. | 11.4% | $1.60B | 11 |
| 5 | Montecito Bank & Trust | 10.4% | $1.47B | 12 |
| 6 | Mechanics Bank | 7.6% | $1.07B | 12 |
| 7 | American Riviera Bank | 5.5% | $780.3M | 4 |
| 8 | Columbia Bank | 4.4% | $619.5M | 2 |
| 9 | Community Bank of Santa Maria | 2.5% | $350.4M | 2 |
| 10 | Community West Bank | 2.3% | $321.0M | 4 |
Banks in Santa Barbara: common questions
What is the biggest bank in Santa Barbara, CA?
Bank of America, N.A. is the biggest bank in Santa Barbara, CA, with $1.34B in deposits at its Santa Barbara branches, 22.0% of the city's total as of the June 30, 2026 FDIC Summary of Deposits. Montecito Bank & Trust has the most branches there, with 5.
How many banks are in Santa Barbara, CA?
16 FDIC-insured banks operate 31 branches in Santa Barbara, CA as of the June 30, 2026 FDIC Summary of Deposits. This counts every bank with a branch in the city, not only banks headquartered there. Credit unions are not in the Summary of Deposits.
What are the largest banks in Santa Barbara, CA?
Ranked by deposits held in Santa Barbara branches as of the June 30, 2026 FDIC Summary of Deposits: 1. Bank of America, N.A. (22.0%); 2. JPMorgan Chase Bank, N.A. (17.8%); 3. Wells Fargo Bank, N.A. (15.8%); 4. American Riviera Bank (10.2%); 5. Montecito Bank & Trust (9.3%). The share is each bank's part of all deposits in the city.
Largest banks in California
For the state as a whole, see the largest banks in California, ranked by total assets and by deposits in California branches, or every bank in the California bank directory.
Banks in other California cities:
About this data
Branch counts and local deposits come from the FDIC Summary of Deposits, the annual June 30 survey of branch-office deposits for every FDIC-insured bank. Click any bank to see its full regulatory profile and complete branch network. Looking for banks headquartered here instead? See the US bank directory.