Bank Comparison
Montecito Bank & Trust vs American Commercial Bank & Trust, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 12
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Montecito Bank & Trust | American Commercial Bank & Trust, N.A. |
|---|---|---|
| CET1 Ratio | — | 10.45% |
| Tier 1 Capital Ratio | — | 10.45% |
| Total Capital Ratio | — | 11.70% |
| Tier 1 Leverage Ratio | 11.07% | 9.10% |
| Equity / Assets | 9.08% | 8.93% |
Profitability
| Metric | Montecito Bank & Trust | American Commercial Bank & Trust, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.63% | 1.24% |
| Return on Equity (ROE) | 7.27% | 13.90% |
| Net Interest Margin (NIM) | 3.73% | 3.95% |
| Yield on Earning Assets | 4.39% | 6.25% |
| Cost of Funds | 0.72% | 2.46% |
Asset quality
| Metric | Montecito Bank & Trust | American Commercial Bank & Trust, N.A. |
|---|---|---|
| Texas Ratio | 2.10% | 2.31% |
| Non-Performing Loan Ratio | 0.29% | 0.06% |
| Non-Performing Asset Ratio | 0.20% | 0.20% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 0.97% | 1.47% |
Balance sheet
| Metric | Montecito Bank & Trust | American Commercial Bank & Trust, N.A. |
|---|---|---|
| Total Assets | $2,036M | $2,035M |
| Total Deposits | $1,793M | $1,827M |
| Total Loans | $1,391M | $1,728M |
| Total Equity | $184,903K | $181,821K |
| Net Income (quarter) | $3,335K | $6,253K |
Liquidity & funding
| Metric | Montecito Bank & Trust | American Commercial Bank & Trust, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 77.58% | 94.57% |
| Core Deposit Ratio | 88.74% | 98.39% |
| Uninsured Deposit Ratio | 38.92% | 32.80% |
Identity
| Metric | Montecito Bank & Trust | American Commercial Bank & Trust, N.A. |
|---|---|---|
| Headquarters City | SANTA BARBARA | OTTAWA |
| Headquarters State | CA | IL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 1154 |
| Regulator | FDIC | OCC |
| Domestic Branches | 17 | 11 |
| Employees (FTE) | 265 | 161 |
| Established | March 17, 1975, midnight | June 1, 1865, 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.
View full Montecito Bank & Trust profile | View full American Commercial Bank & Trust, N.A. profile | Browse all bank comparisons