Montecito Bank & Trust is headquartered in Santa Barbara and is the 41st largest bank in the state of California. It is also the 449th largest bank in the nation. It was established in 1975 and as of June of 2022, it had grown to 253 employees at 15 locations. Montecito Bank & Trust's CD rates are 3X the national average, and it has a B+ health rating.
Overall | |
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FDIC Certificate # | 21956 |
Year Established | 1975 |
Employees | 253 |
Primary Regulator | FDIC |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.8% |
Return on Equity - YTD | 11.57% |
Annual Interest Income | $35.2MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q2 2022vs Q2 2021 | $2.46B$2.19B |
Loans | Q2 2022vs Q2 2021 | $1.18B$1.29B |
Deposits | Q2 2022vs Q2 2021 | $2.28B$1.97B |
Equity Capital | Q2 2022vs Q2 2021 | $143.2MM$192.6MM |
Loan Loss Allowance | Q2 2022vs Q2 2021 | $14.8MM$14.9MM |
Unbacked Noncurrent Loans | Q2 2022vs Q2 2021 | $5.0MM$6.8MM |
Real Estate Owned | Q2 2022vs Q2 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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.05% | - | - | Personal Savings | |
0.05% | - | - | First Steps Savings | |
0.05% | - | - | Business Savings | |
0.05% | - | - | Business Sweep Savings | |
0.05% | - | - | CA Saver | |
0.05% | - | - | Health Savings Account |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
10.00%* | $50k* | $100k | Private Access Checking | ||
OTHER TIERS: 0.10% → Any amount | |||||
0.10% | - | - | Community Dividends Checking | ||
0.05% | - | - | Access Checking | ||
0.05% | - | - | Business Interest Checking |