Bank Comparison
Montecito Bank & Trust vs Oakworth Capital Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 11
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Montecito Bank & Trust | Oakworth Capital Bank |
|---|---|---|
| CET1 Ratio | — | 10.61% |
| Tier 1 Capital Ratio | — | 10.61% |
| Total Capital Ratio | — | 11.79% |
| Tier 1 Leverage Ratio | 11.07% | 9.50% |
| Equity / Assets | 9.08% | 9.09% |
Profitability
| Metric | Montecito Bank & Trust | Oakworth Capital Bank |
|---|---|---|
| Return on Assets (ROA) | 0.63% | 1.10% |
| Return on Equity (ROE) | 7.27% | 12.08% |
| Net Interest Margin (NIM) | 3.73% | 3.70% |
| Yield on Earning Assets | 4.39% | 5.83% |
| Cost of Funds | 0.72% | 2.29% |
Asset quality
| Metric | Montecito Bank & Trust | Oakworth Capital Bank |
|---|---|---|
| Texas Ratio | 2.10% | 7.32% |
| Non-Performing Loan Ratio | 0.29% | 0.75% |
| Non-Performing Asset Ratio | 0.20% | 0.74% |
| Net Charge-Off Ratio | 0.01% | 0.13% |
| ACL / Loans | 0.97% | 1.19% |
Balance sheet
| Metric | Montecito Bank & Trust | Oakworth Capital Bank |
|---|---|---|
| Total Assets | $2,036M | $2,041M |
| Total Deposits | $1,793M | $1,794M |
| Total Loans | $1,391M | $1,665M |
| Total Equity | $184,903K | $185,584K |
| Net Income (quarter) | $3,335K | $5,562K |
Liquidity & funding
| Metric | Montecito Bank & Trust | Oakworth Capital Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.58% | 92.81% |
| Core Deposit Ratio | 88.74% | 97.95% |
| Uninsured Deposit Ratio | 38.92% | 59.12% |
Identity
| Metric | Montecito Bank & Trust | Oakworth Capital Bank |
|---|---|---|
| Headquarters City | SANTA BARBARA | BIRMINGHAM |
| Headquarters State | CA | AL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 17 | 4 |
| Employees (FTE) | 265 | 164 |
| Established | March 17, 1975, midnight | March 31, 2008, 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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