Bank Comparison
Village Bank, the vs Montecito Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 17
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Village Bank, the | Montecito Bank & Trust |
|---|---|---|
| CET1 Ratio | 14.94% | — |
| Tier 1 Capital Ratio | 14.94% | — |
| Total Capital Ratio | 15.63% | — |
| Tier 1 Leverage Ratio | 9.36% | 11.07% |
| Equity / Assets | 8.52% | 9.08% |
Profitability
| Metric | Village Bank, the | Montecito Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.38% | 0.63% |
| Return on Equity (ROE) | 4.55% | 7.27% |
| Net Interest Margin (NIM) | 2.52% | 3.73% |
| Yield on Earning Assets | 4.85% | 4.39% |
| Cost of Funds | 2.53% | 0.72% |
Asset quality
| Metric | Village Bank, the | Montecito Bank & Trust |
|---|---|---|
| Texas Ratio | 3.84% | 2.10% |
| Non-Performing Loan Ratio | 0.42% | 0.29% |
| Non-Performing Asset Ratio | 0.34% | 0.20% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 0.50% | 0.97% |
Balance sheet
| Metric | Village Bank, the | Montecito Bank & Trust |
|---|---|---|
| Total Assets | $2,033M | $2,036M |
| Total Deposits | $1,829M | $1,793M |
| Total Loans | $1,674M | $1,391M |
| Total Equity | $173,363K | $184,903K |
| Net Income (quarter) | $1,968K | $3,335K |
Liquidity & funding
| Metric | Village Bank, the | Montecito Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 91.52% | 77.58% |
| Core Deposit Ratio | 74.44% | 88.74% |
| Uninsured Deposit Ratio | 52.94% | 38.92% |
Identity
| Metric | Village Bank, the | Montecito Bank & Trust |
|---|---|---|
| Headquarters City | AUBURNDALE | SANTA BARBARA |
| Headquarters State | MA | CA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 11 | 17 |
| Employees (FTE) | 143 | 265 |
| Established | May 1, 1910, 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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