Montecito Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Montecito Bank & Trust of Santa Barbara, CA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.52% | 1.34% | -0.82% | 8th bottom |
| ROAE | 5.93% | 12.34% | -6.41% | 11th bottom |
| Net Interest Margin | 3.60% | 3.83% | -0.23% | 41st below |
| Efficiency Ratio | 82.40% | 58.97% | +23.43% | 5th bottom |
| PPNR / Avg Assets | 0.73% | — | — | 7th bottom |
| Yield on Earning Assets | 4.24% | 5.71% | -1.47% | 4th bottom |
| Cost of Funds | 0.72% | 2.02% | -1.30% | 98th top |
| Net Interest Spread | 3.06% | — | — | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.87% | -0.70% | 81st top |
| NPA / Total Assets | 0.11% | — | — | 83rd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.43% | -0.40% | 49th below |
| ACL / Total Loans | 0.97% | — | — | 27th below |
| ACL / NPLs (Coverage) | 580.26% | — | — | 81st top |
| Texas Ratio | 1.19% | 5.48% | -4.29% | 80th top |
| Provision / NCO | 0.00% | — | — | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.29% | 11.11% | +0.18% | 66th above |
| Equity / Assets | 9.33% | 11.02% | -1.69% | 28th below |
| TCE / Tangible Assets | 9.00% | — | — | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.22% | 86.99% | -6.77% | 70th above |
| Core Deposit Ratio | 90.20% | 85.57% | +4.63% | 59th above |
| Uninsured Deposit Ratio | 38.63% | 33.19% | +5.44% | 31st below |
| Wholesale Funding Ratio | 3.12% | — | — | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.38% | — | — | 3rd bottom |
| Loan Growth (Y/Y) | 3.66% | — | — | 38th below |
| Deposit Growth (Y/Y) | -7.74% | — | — | 2nd bottom |
See Montecito Bank & Trust's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Montecito Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Montecito Bank & Trust profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Montecito Bank & Trust peer analysis.