Montecito Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 40.03 percentage points in Q2 2026, from 620.29% to 580.26%. It was the largest change from Q1 2026 among the key lines here. Montecito Bank & Trust ranks 91st of 114 California banks on return on assets, in the lower half at 0.52% (Q2 2026). Montecito Bank & Trust's return on assets of 0.52% is well below the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.75 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.29% |
| Equity capital to assets | 9.33% |
| Tangible equity to tangible assets | 9.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 1.19% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 580.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.52% |
| Return on equity | 5.93% |
| Net interest margin | 3.60% |
| Efficiency ratio | 82.40% |
| Yield on earning assets | 4.24% |
| Cost of funds | 0.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.22% |
| Core deposits to total deposits | 90.20% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.72% |
| Securities to assets | 23.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.90% | 0.46% | 3.28% | 0.28% | 0.00% |
| Q4 2023 | 9.86% | 0.35% | 3.20% | 0.25% | 0.12% |
| Q1 2024 | 9.97% | 0.31% | 3.11% | 0.33% | 0.05% |
| Q2 2024 | 10.02% | 0.26% | 3.03% | 0.30% | 0.00% |
| Q3 2024 | 10.16% | 0.42% | 3.05% | 0.29% | -0.01% |
| Q4 2024 | 10.15% | 0.13% | 3.03% | 0.27% | -0.05% |
| Q1 2025 | 10.19% | 0.22% | 3.03% | 0.20% | 0.03% |
| Q2 2025 | 10.30% | 0.37% | 3.21% | 0.19% | 0.02% |
| Q3 2025 | 10.48% | 0.62% | 3.45% | 0.24% | 0.15% |
| Q4 2025 | 10.74% | 0.50% | 3.55% | 0.23% | 0.01% |
| Q1 2026 | 11.07% | 0.63% | 3.73% | 0.16% | 0.01% |
| Q2 2026 | 11.29% | 0.52% | 3.60% | 0.17% | 0.03% |
Montecito Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Montecito Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)