Montecito Bank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 2.82 percentage points in Q2 2026, from 238.80% to 235.98%. It was the largest change from Q1 2026 among the key lines here. Montecito Bank & Trust ranks 81st of 114 California banks on loan-to-deposit ratio, in the lower half at 80.22% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Montecito Bank & Trust sits 7.98 points lower, at 80.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.39B |
| Net loans and leases | $1.37B |
| Loans held for sale | $0 |
| Loans to total assets | 68.77% |
| Loan-to-deposit ratio | 80.22% |
| Net loans to equity capital | 7.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.09% |
| Multifamily (5+ residential) | 17.50% |
| Commercial and industrial | 8.80% |
| Consumer | 1.98% |
| Credit cards | 0.12% |
| Farm | 0.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 235.98% |
| Construction concentration (Tier 1 capital + allowance) | 6.59% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.99% |
| Interest income on loans | $18.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.21B | $1.85B | 45.83% | 7.71% | 1.25% |
| Q4 2023 | $1.23B | $1.85B | 45.26% | 6.35% | 1.21% |
| Q1 2024 | $1.24B | $1.78B | 44.63% | 7.02% | 1.08% |
| Q2 2024 | $1.27B | $1.80B | 44.09% | 7.23% | 1.00% |
| Q3 2024 | $1.28B | $1.79B | 43.17% | 7.27% | 1.03% |
| Q4 2024 | $1.29B | $1.81B | 42.62% | 8.02% | 1.01% |
| Q1 2025 | $1.31B | $1.84B | 43.36% | 8.03% | 1.25% |
| Q2 2025 | $1.34B | $1.88B | 42.54% | 7.84% | 1.29% |
| Q3 2025 | $1.34B | $1.87B | 42.00% | 7.95% | 1.33% |
| Q4 2025 | $1.34B | $1.82B | 41.27% | 8.99% | 1.33% |
| Q1 2026 | $1.39B | $1.79B | 40.63% | 9.13% | 1.64% |
| Q2 2026 | $1.39B | $1.73B | 40.09% | 8.80% | 1.98% |
Montecito Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Montecito Bank & Trust, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Montecito Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21956) · FFIEC NIC profile (RSSD 514066)