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Montecito Bank & Trust
Santa Barbara, CA · FDIC Certificate #21956 · Chartered 03/1
Total assets
$2.02B
Total deposits
$1.73B
Total equity
$188.21M
Net loans
$1.37B
Branches (offices)
16
Net income (YTD)
$6.10M
Rank: #601 of 4,213 U.S. banks by assets · #42 of 115 in California. Assets changed -5.4% and deposits -7.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.60% |
| Return on equity | 6.59% |
| Net interest margin (YTD) | 3.91% |
| Equity to assets | 9.33% |
| Tier 1 leverage ratio | 11.29% |
| Uninsured deposits (share of deposits) | 38.6% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 79.4% |
| Real estate loans (share of loans) | 87.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.20B | 87.1% | |
| Commercial & industrial | $122.25M | 8.9% | |
| Consumer / individual | $27.56M | 2.0% | |
| Construction & development | $16.51M | 1.2% | |
| Agricultural | $2.98M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.46B | $2.28B | $9.65M | $143.16M |
| Jun 2023 | $2.09B | $1.87B | $7.75M | $136.25M |
| Jun 2024 | $2.12B | $1.80B | $3.16M | $149.94M |
| Jun 2025 | $2.13B | $1.88B | $3.29M | $169.41M |
| Jun 2026 | $2.02B | $1.73B | $6.10M | $188.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $1.73B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.73B.
Similar-sized banks
Mabrey Bank ($2.02B) · Trunorth Bank ($2.02B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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