Montecito Bank & Trust
Santa Barbara, CA
IDRSSD: 514066
Total Assets
$2.06B
Latest filing
Total Deposits
$1.82B
Latest filing
Net Interest Margin
3.75%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Montecito Bank & Trust
1000 State St
Santa Barbara, CA 93101
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/17/1975FDIC Certificate 15220
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Montecito Bank & Trust (Main) | 1000 State St | Santa Barbara, CA |
| MONTECITO BRANCH | 1106 Coast Village Rd | Montecito, CA |
| GOLETA BRANCH | 5658 Calle Real | Goleta, CA |
| LA CUMBRE BRANCH | 3802 State St | Santa Barbara, CA |
| CARPINTERIA BRANCH | 1023 Casitas Pass Rd | Carpinteria, CA |
| SANTA YNEZ VALLEY MESNGR SER BRANCH | 591 Alamo Pintado Rd | Solvang, CA |
| VENTURA BRANCH | 4730 Telephone Rd | Ventura, CA |
| SOLVANG BRANCH | 591 Alamo Pintado Rd | Solvang, CA |
Showing 7 of 16
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/17/1975 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 93101 |
| State and County Number | 06083 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Santa Maria-Santa Barbara, CA |
Operational Info
| Number of Employees | 260 |
| Domestic Offices | 17 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 03/17/1975 |
| Primary Insurance Agency | DIF |
| Website | www.montecito.bank |
| Data Updated | 01/30/2026 |
| CERT | 21956 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.06B |
| Total Deposits | $1.82B |
| Total Liabilities | $1.88B |
| Total Equity Capital | $182.06M |
| Net Income | $2.73M |
| Net Loans and Leases | $1.33B |
| Assets Per Employee ($Millions) | $7.8M |
| Bank Premises and Fixed Assets | $43.14M |
| Cash and Balances due from Depository Institutions | $20.85M |
| Deposits Held in Domestic Offices | $1.82B |
Key Performance Ratios
| Return on Assets (ROA) | 0.53% |
| Return on Equity (ROE) | 6.07% |
| Net Interest Margin | 3.75% |
| Efficiency Ratio | 82.62% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.845% |
| Earning Assets to total Assets | 92.68% |
Income and Expense
| Total Interest Income | $21.57M |
| Total Noninterest Income | $3.65M |
| Total Interest Expense | $3.58M |
| Total Noninterest Expense | $17.88M |
| Net Interest Income | $17.99M |
| Pre-tax Net Operating Income | $3.76M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $21.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $39.05M |
| Total Liabilities and Capital | $2.06B |
Securities
| Securities | $572.13M |
| Available-for-sale debt securities | $572.13M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Montecito Bank & Trust?
$2.06B as of the latest filing.
How much are Montecito Bank & Trust's total deposits?
$1.82B in total deposits.
Where is Montecito Bank & Trust located?
Santa Barbara, CA.
What is the Net Interest Margin?
3.75%.
How many domestic offices does it operate?
17.
When was it established?
03/17/1975.
What is the Return on Assets (ROA)?
0.53%.
How much are total loans and leases?
$1.33B (latest filing).
What is the total interest income (latest filing)?
$21.57M.