Montecito Bank & Trust
Total assets
$2.02B
▼ -5.4% YoY
Deposits
$1.73B
▼ -7.7% YoY
Loans
$1.37B
▲ +3.7% YoY
Offices
17
MONTECITO BCORP
ROA (annualized)
0.60%
peers 1.26%
ROE (annualized)
6.59%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Montecito Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +5.5% | -10.8 pts |
| Deposit growth (YoY) | -7.7% | +5.1% | -12.8 pts |
| Loan growth (YoY) | +3.8% | +5.9% | -2.2 pts |
| ROA | 0.60% | 1.26% | -0.7 pts |
| ROE | 6.6% | 12.2% | -5.6 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
Profile
- Established
- 1975
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MONTECITO BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 1000 State St, Santa Barbara, CA, 93101
- County
- Santa Barbara
- Metro area
- Santa Maria-Santa Barbara, CA
- Offices
- 17
- FDIC cert #
- 21956
- RSSD ID
- 514066
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.02B | $1.73B | $1.37B | $188.2M | $6.1M | 0.60% | 3.91% | 0.11% |
| Q1 2026 | $2.04B | $1.79B | $1.38B | $184.9M | $3.3M | 0.65% | 3.92% | 0.11% |
| Q4 2025 | $2.06B | $1.82B | $1.33B | $182.1M | $9.4M | 0.45% | 3.49% | 0.15% |
| Q3 2025 | $2.09B | $1.87B | $1.33B | $178.4M | $6.7M | 0.42% | 3.40% | 0.15% |
| Q2 2025 | $2.13B | $1.88B | $1.32B | $169.4M | $3.3M | 0.31% | 3.28% | 0.12% |
| Q1 2025 | $2.14B | $1.84B | $1.30B | $165.1M | $1.2M | 0.23% | 3.18% | 0.12% |
| Q4 2024 | $2.11B | $1.81B | $1.27B | $157.1M | $6.2M | 0.29% | 3.23% | 0.17% |
| Q3 2024 | $2.13B | $1.79B | $1.26B | $169.2M | $5.5M | 0.34% | 3.24% | 0.17% |
Loan mix (Q2 2026): real estate $1.20B · commercial $122.2M · consumer $27.6M · securities $482.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Montecito Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.26% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 12.2% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.70% | 63th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 59.0% | 94th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Montecito Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Montecito Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Montecito Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Montecito Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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