Bank Comparison
Intercredit Bank, N.A. vs Montecito Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 15
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Intercredit Bank, N.A. | Montecito Bank & Trust |
|---|---|---|
| CET1 Ratio | 12.72% | — |
| Tier 1 Capital Ratio | 17.26% | — |
| Total Capital Ratio | 18.52% | — |
| Tier 1 Leverage Ratio | 9.84% | 11.07% |
| Equity / Assets | 8.63% | 9.08% |
Profitability
| Metric | Intercredit Bank, N.A. | Montecito Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | -0.47% | 0.63% |
| Return on Equity (ROE) | -5.38% | 7.27% |
| Net Interest Margin (NIM) | 1.81% | 3.73% |
| Yield on Earning Assets | 5.28% | 4.39% |
| Cost of Funds | 3.82% | 0.72% |
Asset quality
| Metric | Intercredit Bank, N.A. | Montecito Bank & Trust |
|---|---|---|
| Texas Ratio | 2.10% | 2.10% |
| Non-Performing Loan Ratio | 0.43% | 0.29% |
| Non-Performing Asset Ratio | 0.20% | 0.20% |
| Net Charge-Off Ratio | 0.10% | 0.01% |
| ACL / Loans | 1.50% | 0.97% |
Balance sheet
| Metric | Intercredit Bank, N.A. | Montecito Bank & Trust |
|---|---|---|
| Total Assets | $2,028M | $2,036M |
| Total Deposits | $1,808M | $1,793M |
| Total Loans | $932,907K | $1,391M |
| Total Equity | $175,184K | $184,903K |
| Net Income (quarter) | $-2,147 | $3,335K |
Liquidity & funding
| Metric | Intercredit Bank, N.A. | Montecito Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 51.59% | 77.58% |
| Core Deposit Ratio | 96.93% | 88.74% |
| Uninsured Deposit Ratio | 10.01% | 38.92% |
Identity
| Metric | Intercredit Bank, N.A. | Montecito Bank & Trust |
|---|---|---|
| Headquarters City | CORAL GABLES | SANTA BARBARA |
| Headquarters State | FL | CA |
| Asset Tier | Large | Large |
| Charter Class | 18283 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 17 |
| Employees (FTE) | 137 | 265 |
| Established | July 2, 1984, midnight | March 17, 1975, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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