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Overview / Commentary
12 East Figueroa Street
Santa Barbara, CA 93101

Bank of Santa Barbara is headquartered in Santa Barbara and is the 165th largest bank in the state of California. It is also the 3,571st largest bank in the nation. It was established in 2005 and as of June of 2014, it had grown to 44 employees at 2 locations. Bank of Santa Barbara has a A health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Bank of Santa Barbara had $1.8 million in non-current loans and owned real-estate with $18.39 million in equity and loan loss allowances on hand to cover it. This gives Bank of Santa Barbara a Texas Ratio of 9.78% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Santa Barbara decreased dramatically from 25.66% as of June 30, 2013 to 9.78% as of June 30, 2014, resulting in a positive change of 61.86%.This indicates that the balance sheet and financial strength for Bank of Santa Barbara has improved dramatically in recent periods.

Deposit Growth


In the past year, Bank of Santa Barbara has increased its total deposits by $223,000, resulting in 0.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Santa Barbara has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Santa Barbara has $158.87 million in assets with $18.39 million in equity, resulting in a capitalization level of 11.57%, which is excellent.

Institution Statistics

FDIC Certificate #58098
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$158.87 million
Loans$117.69 million
Deposits$137.33 million
Equity Capital$16.19 million
Loan Loss Allowance$2.20 million
Unbacked Noncurrent Loans$1.48 million
Real Estate Owned$324,000
Historic Data - June 2013
Assets$157.95 million
Equity Capital$15.57 million
Loan Loss Allowance$1.48 million
Unbacked Noncurrent Loans$1.48 million
Real Estate Owned$324,000
Profit Margin - Quarterly
Return on Assets-0.48%
Return on Equity-4.56%
Interest Income$3.43 million

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Bank of Santa Barbara Locations
The Bank Of Santa Barbara12 East Figueroa StreetSanta Barbara, CA 93101
Goleta Branch5880 Calle RealGoleta, CA 93117