Bank Comparison
Montecito Bank & Trust vs Oak Valley Community Bank
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 | Oak Valley Community Bank |
|---|---|---|
| CET1 Ratio | — | 15.42% |
| Tier 1 Capital Ratio | — | 15.42% |
| Total Capital Ratio | — | 16.34% |
| Tier 1 Leverage Ratio | 11.07% | 11.09% |
| Equity / Assets | 9.08% | 10.22% |
Profitability
| Metric | Montecito Bank & Trust | Oak Valley Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.63% | 1.10% |
| Return on Equity (ROE) | 7.27% | 10.77% |
| Net Interest Margin (NIM) | 3.73% | 4.12% |
| Yield on Earning Assets | 4.39% | 4.83% |
| Cost of Funds | 0.72% | 0.76% |
Asset quality
| Metric | Montecito Bank & Trust | Oak Valley Community Bank |
|---|---|---|
| Texas Ratio | 2.10% | 2.22% |
| Non-Performing Loan Ratio | 0.29% | 0.40% |
| Non-Performing Asset Ratio | 0.20% | 0.23% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 0.97% | 1.13% |
Balance sheet
| Metric | Montecito Bank & Trust | Oak Valley Community Bank |
|---|---|---|
| Total Assets | $2,036M | $2,009M |
| Total Deposits | $1,793M | $1,781M |
| Total Loans | $1,391M | $1,145M |
| Total Equity | $184,903K | $205,338K |
| Net Income (quarter) | $3,335K | $5,561K |
Liquidity & funding
| Metric | Montecito Bank & Trust | Oak Valley Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.58% | 64.31% |
| Core Deposit Ratio | 88.74% | 97.43% |
| Uninsured Deposit Ratio | 38.92% | 47.46% |
Identity
| Metric | Montecito Bank & Trust | Oak Valley Community Bank |
|---|---|---|
| Headquarters City | SANTA BARBARA | OAKDALE |
| Headquarters State | CA | CA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 17 | 20 |
| Employees (FTE) | 265 | 244 |
| Established | March 17, 1975, midnight | May 28, 1991, 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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