Advertising Disclosure
  1. Banks
  2. Montecito Bank & Trust

Montecito Bank & Trust


Overview / Commentary
montecito.bank
805-963-7511
1000 State Street
Santa Barbara, CA 93101

Montecito Bank & Trust is headquartered in Santa Barbara and is the 43rd largest bank in the state of California. It is also the 481st largest bank in the nation. It was established in 1975 and as of September of 2021, it had grown to 258 employees at 15 locations. Montecito Bank & Trust has an A health rating.

Reviews

No reviews have been left for this bank yet. Be the first to review.



Health
A

Data as of Q3 2021

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #21956
Year Established1975
Employees258
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD8.37%
Annual Interest Income$51.0MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$2.29B$1.89B
LoansQ3 2021vs Q3 2020$1.25B$1.31B
DepositsQ3 2021vs Q3 2020$2.07B$1.66B
Equity CapitalQ3 2021vs Q3 2020$190.6MM$187.4MM
Loan Loss AllowanceQ3 2021vs Q3 2020$14.7MM$14.6MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$6.0MM$8.9MM
Real Estate OwnedQ3 2021vs Q3 2020$0$0
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Montecito Bank & Trust; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

Montecito Bank & Trust CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.