Bank routing number ยท Santa Barbara, California
Montecito Bank & Trust Routing Number (ABA): 122234783
BankRegReports is independent of Montecito Bank & Trust and never asks for online banking logins or passwords.
The Montecito Bank & Trust routing number is 122234783. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
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
- Domestic offices
- 17 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1975
Full financial profile · Is Montecito Bank & Trust safe? · Montecito Bank & Trust call report · Branch locations
Montecito Bank & Trust routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 122234783 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; Montecito Bank & Trust publishes any other numbers it uses itself.
What the digits mean
The first two digits, 12, place this number in the Federal Reserve Bank of San Francisco's district (District 12). Digits five through eight, 3478, identify the institution within that district. The last digit, 3, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Montecito Bank & Trust
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Montecito Bank & Trust checks or in its online banking. Ask the bank for wire instructions (www.montecito.bank). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Montecito Bank & Trust
Montecito Bank & Trust is headquartered in Santa Barbara, California and was established in 1975. It is in the SANTA MARIA-SANTA BARBARA, CA metro area. It reported $2.02B in total assets and $1.73B in deposits for Q2 2026, the 41st largest of the 113 banks headquartered in California. It reports 17 domestic offices. Its deposits have been FDIC insured since 1975. Its primary federal regulator is the FDIC. 3 other banks and credit unions headquartered in Santa Barbara have a routing number listed here.
What the digits in 122234783 mean
The first four digits, 1222, are the Federal Reserve routing symbol. The prefix 12 places the number in the 12th Federal Reserve District (San Francisco). That is also the district where the bank is headquartered. Digits five through eight, 3478, identify the institution within its Federal Reserve district. The last digit, 3, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 10 + 7 x 13 + 9 = 130, a multiple of 10, so 122234783 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Montecito Bank & Trust routing number?
The Montecito Bank & Trust routing number is 122234783. It is the primary ABA routing transit number registered to Montecito Bank & Trust, headquartered in Santa Barbara, CA. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the Montecito Bank & Trust wire routing number?
This page lists the primary routing number registered to Montecito Bank & Trust. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Montecito Bank & Trust before sending a wire.
Is ABA number 122234783 the routing number for Montecito Bank & Trust?
Yes. It is the primary routing number registered to Montecito Bank & Trust.
Which bank uses routing number 122234783?
It belongs to Montecito Bank & Trust, headquartered in Santa Barbara, CA. It is the bank's primary ABA routing number (FDIC certificate 21956).
Routing numbers of similar-size institutions in California
- Bank, Santa Barbara, CA
- American Riviera Bank: 122244333
- Credit union, Santa Barbara, CA
- Santa Barbara Teachers Federal Credit Union: 322282153
- Credit union, Santa Barbara, CA
- Santa Barbara County Federal Credit Union: 322282137
- Bank, Bakersfield, CA
- Mission Bank: 122242791
- Bank, Oakland, CA
- Beneficial State Bank: 121182056
- Bank, Oakdale, CA
- Oak Valley Community Bank: 121142119
- Bank, Los Angeles, CA
- Commonwealth Business Bank: 122043864
- Credit union, Redwood City, CA
- Monterra Credit Union: 321174851
View Montecito Bank & Trust's full profile →
More in California: routing numbers and banks. Have a number and want to know whose it is? Use the routing number lookup. New to routing numbers? What a routing number is.
Regulator records: FDIC BankFind (cert 21956) · FFIEC NIC profile (RSSD 514066)