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 46th largest bank in the state of California. It is also the 542nd largest bank in the nation. It was established in 1975 and as of June of 2019, it had grown to 227 employees at 14 locations. Montecito Bank & Trust's CD rates are 78% higher than the national average, and it has an A health rating.

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Health
A

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #21956
Year Established1975
Employees227
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD7.08%
Annual Interest Income$31.4MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.54B$1.39B
LoansQ2 2019vs Q2 2018$967.5MM$892.0MM
DepositsQ2 2019vs Q2 2018$1.35B$1.23B
Equity CapitalQ2 2019vs Q2 2018$170.7MM$151.0MM
Loan Loss AllowanceQ2 2019vs Q2 2018$13.1MM$12.8MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$6.2MM$2.4MM
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$500k*-Business Sweep Savings
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $25k | 0.15% → $25k - $100k | 0.20% → $100k - $250k | 0.25% → $250k - $500k
0.10%--First Steps Savings
0.10%--CA Saver
0.05%--Personal Savings
0.05%--Business Savings

Montecito Bank & Trust Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$250k*-Business Relationship Money Market
OTHER TIERS: 0.15% → Up to $25k | 0.25% → $25k - $250k
0.30%*$100k*-Personal Relationship Bonus Money Market (Access, Private Access)
OTHER TIERS: 0.15% → Up to $10k | 0.20% → $10k - $50k | 0.25% → $50k - $100k
0.25%*$100k*-Personal Relationship Bonus Money Market (Cashback)
OTHER TIERS: 0.10% → Up to $10k | 0.15% → $10k - $50k | 0.20% → $50k - $100k
0.23%*$100k*-Personal Relationship Bonus Money Market (Everyday, Gold Key & Charter)
OTHER TIERS: 0.08% → Up to $10k | 0.13% → $10k - $50k | 0.18% → $50k - $100k
0.20%*$250k*-Business Money Market
OTHER TIERS: 0.05% → Up to $25k | 0.15% → $25k - $250k
0.20%*$100k*-Montecito Money Fund
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $50k | 0.15% → $50k - $100k

Montecito Bank & Trust Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.18%*$100k*-Private Access Checking
OTHER TIERS: 0.11% → Up to $10k | 0.13% → $10k - $50k | 0.15% → $50k - $100k
0.15%--Community Dividends Checking
0.08%*$100k*-Access Checking
OTHER TIERS: 0.01% → Up to $10k | 0.03% → $10k - $50k | 0.05% → $50k - $100k
0.05%--Business Interest Checking

Montecito Bank & Trust CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-60 Month CD
2.00%$1k-Business 60 Month CD
1.75%$1k-24 Month CD
1.75%$1k-Business 24 Month CD
1.75%$1k-48 Month CD
1.75%$1k-Business 48 Month CD
1.70%$1k-36 Month CD
1.70%$1k-Business 36 Month CD
1.60%$1k-12 Month CD
1.60%$1k-Business 12 Month CD
1.50%$1k-18 Month CD
1.50%$1k-Business 18 Month CD
1.50%$10k-21 Month You Choose CD
1.50%$10k-Business 21 Month You Choose CD
0.70%$1k-180 Day CD
0.70%$10k-7 Month Access CD
0.70%$1k-Business 180 Day CD
0.70%$1k-Business 7 Month Access CD
0.15%$1k-90 Day CD
0.15%$1k-Business 90 Day CD
0.10%$1k-30 Day CD
0.10%$1k-Business 30 Day CD

Montecito Bank & Trust IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-60 Month IRA
1.75%$1k-24 Month IRA
1.75%$1k-48 Month IRA
1.70%$1k-36 Month IRA
1.60%$1k-12 Month IRA
1.50%$1k-18 Month IRA
0.70%$1k-180 Day IRA
0.15%$1k-90 Day IRA
0.10%$1k-30 Day IRA
Locations

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