Montecito Bank & Trust
Chartered Bank Active FDIC Insured
Health Score
7.8 / 10
1000 State St, Santa Barbara, CA 93101
Financial Overview
Total Assets $2.04B
Total Deposits $1.79B
Profitability (ROA) 0.65%
Shareholder Return (ROE) 7.27%
Capital Cushion (Eq/Assets) 9.08%
Established 03/17/1975
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$105.5M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.montecito.bank
FDIC Certificate #: 21956
Specialization: Commercial Lending Specialization