Montecito Bank & Trust

Overview / Commentary
1000 State Street
Santa Barbara, CA 93101

Montecito Bank & Trust is headquartered in Santa Barbara and is the 42nd largest bank in the state of California. It is also the 460th largest bank in the nation. It was established in 1975 and as of March of 2022, it had grown to 255 employees at 15 locations. Montecito Bank & Trust has an A health rating.


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Health Grade Components

FDIC Certificate #21956
Year Established1975
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD10.77%
Annual Interest Income$16.7MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$2.40B$2.10B
LoansQ1 2022vs Q1 2021$1.17B$1.36B
DepositsQ1 2022vs Q1 2021$2.19B$1.88B
Equity CapitalQ1 2022vs Q1 2021$164.8MM$183.0MM
Loan Loss AllowanceQ1 2022vs Q1 2021$14.7MM$14.6MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$5.8MM$9.9MM
Real Estate OwnedQ1 2022vs Q1 2021$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Montecito Bank & Trust Savings Account Rates

0.05%--First Steps Savings
0.05%--Business Sweep Savings
0.05%--CA Saver
0.05%--Health Savings Account
0.02%--Personal Savings
0.02%--Business Savings

Montecito Bank & Trust Money Market Rates

0.15%--Business Relationship Money Market
0.15%--Personal Relationship Bonus Money Market (Access, Private Access)
0.10%--Personal Relationship Bonus Money Market (Cashback)
0.08%--Personal Relationship Bonus Money Market (Everyday, Gold Key & Charter)
0.05%--Business Money Market
0.05%--Montecito Money Fund

Montecito Bank & Trust Checking Account Rates

0.07%--Private Access Checking
0.05%--Community Dividends Checking
0.02%--Access Checking
0.02%--Business Interest Checking

Montecito Bank & Trust CD Rates

0.25%$1k-60 Month CD
0.25%$1k-Business 60 Month CD
0.15%$1k-18 Month CD
0.15%$1k-24 Month CD
0.15%$1k-36 Month CD
0.15%$1k-Business 18 Month CD
0.15%$1k-Business 24 Month CD
0.15%$1k-Business 36 Month CD
0.15%$1k-48 Month CD
0.15%$1k-Business 48 Month CD
0.15%$10k-21 Month You Choose CD
0.15%$10k-Business 21 Month You Choose CD
0.10%$1k-180 Day CD
0.10%$10k-7 Month Access CD
0.10%$1k-12 Month CD
0.10%$1k-Business 180 Day CD
0.10%$1k-Business 7 Month Access CD
0.10%$1k-Business 12 Month CD
0.05%$1k-30 Day CD
0.05%$1k-90 Day CD
0.05%$1k-Business 30 Day CD
0.05%$1k-Business 90 Day CD

Montecito Bank & Trust IRA Rates

0.25%$1k-60 Month IRA
0.15%$1k-18 Month IRA
0.15%$1k-24 Month IRA
0.15%$1k-36 Month IRA
0.15%$1k-48 Month IRA
0.10%$1k-180 Day IRA
0.10%$1k-12 Month IRA
0.05%$1k-30 Day IRA
0.05%$1k-90 Day IRA


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