Montecito Bank & Trust
Montecito Bank & Trust is an FDIC-insured commercial bank. Total assets stand at $2.0B. Returns are subdued: 0.63% ROA and 7.27% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.07% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.29% NPLs and a 2.10% Texas Ratio. Montecito Bank & Trust operates a 17-branch network.
Headquarters Profile
- Address
- 1000 State St, SANTA BARBARA, CA 93101
- County
- Santa Barbara
- Metro Area
- SANTA MARIA-SANTA BARBARA, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 14
- Established
- March 17, 1975
- Branches
- 17 domestic
- Employees (FTE)
- 265
- FDIC Cert
- 21956
- Fed RSSD
- 514066
- Website
- www.montecito.bank →
- Parent Holding Company
- MONTECITO BANCORP (RSSD 1138919)
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Montecito Bank & Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Montecito Bank & Trust
What are Montecito Bank & Trust's total assets?
As of the Q1 2026 filing, Montecito Bank & Trust reported total assets of $2.04 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Montecito Bank & Trust headquartered?
Montecito Bank & Trust is headquartered in SANTA BARBARA, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Montecito Bank & Trust founded?
Montecito Bank & Trust was established in 1975, per the FDIC institution directory.
Is Montecito Bank & Trust FDIC-insured?
Yes. Montecito Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #21956). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Montecito Bank & Trust?
Montecito Bank & Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Montecito Bank & Trust operate?
Montecito Bank & Trust operates 17 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Montecito Bank & Trust's Texas Ratio?
Montecito Bank & Trust's Texas Ratio is 2.10% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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