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Montecito Bank & Trust Locations & Branches Santa Barbara, California
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Montecito Bank & Trust operates 16 branches from its headquarters in Santa Barbara, CA, .
Montecito Bank & Trust branch network
All 16 branches are in CALIFORNIA, across 10 cities. Santa Barbara, CA has the most of its branches, 5. Its largest office by deposits is its main office in Santa Barbara, CA, with $311.3M (18.0% of its branch deposits). It had the same number of branches on June 30, 2025.
Montecito Bank & Trust at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 11.29% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $2.02B
- Tier 1 leverage ratio, Q2 2026
- 11.29%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1975
Full financial profile · Is Montecito Bank & Trust safe? · Montecito Bank & Trust call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Santa Barbara, CA (5 branches) | 5 of 16 | 9.3% | $566.4M |
| State: CA (16 branches) | 67 of 164 | <0.1% | $1.73B |
Ranked by total assets among banks headquartered in the state: Largest banks in California.
Share by county and metro area
Montecito Bank & Trust's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Santa Barbara, CA (12 branches) | 5 of 20 | 10.4% | $1.47B | $14.10B |
| Ventura, CA (4 branches) | 11 of 20 | 1.1% | $258.8M | $23.23B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Santa Maria-Santa Barbara, CA (12 branches) | 5 of 20 | 10.4% | $1.47B | $14.10B |
| Oxnard-Thousand Oaks-Ventura, CA (4 branches) | 11 of 20 | 1.1% | $258.8M | $23.23B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Montecito Bank & Trust (main office) | Santa Barbara, CA | 93101 | $311.3M |
| Montecito Branch | Montecito, CA | 93108 | $260.3M |
| Solvang Branch | Solvang, CA | 93463 | $242.8M |
| La Cumbre Branch | Santa Barbara, CA | 93105 | $181.1M |
| Goleta Branch | Goleta, CA | 93117 | $160.1M |
| Carpinteria Branch | Carpinteria, CA | 93013 | $146.6M |
| Ventura Branch | Ventura, CA | 93003 | $133.6M |
| Hollister Branch | Goleta, CA | 93117 | $72.0M |
| Westlake Branch | Westlake Village, CA | 91362 | $69.2M |
| Mesa Branch | Santa Barbara, CA | 93109 | $66.6M |
| Camarillo Branch | Camarillo, CA | 93010 | $37.5M |
| Oxnard Branch | Oxnard, CA | 93036 | $18.5M |
| Santa Maria Branch | Santa Maria, CA | 93454 | $17.4M |
| Casa Dorinda | Montecito, CA | 93108 | $5.3M |
| Samarkand | Santa Barbara, CA | 93105 | $4.5M |
| Maravilla | Santa Barbara, CA | 93111 | $3.0M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 21956) · FFIEC NIC profile (RSSD 514066)