Montecito Bank & Trust

Overview / Commentary
1000 State Street
Santa Barbara, CA 93101

Montecito Bank & Trust is headquartered in Santa Barbara and is the 45th largest bank in the state of California. It is also the 548th largest bank in the nation. It was established in 1975 and as of March of 2019, it had grown to 226 employees at 14 locations. Montecito Bank & Trust's CD rates are 94% higher than the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #21956
Year Established1975
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD7.15%
Annual Interest Income$15.5MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$1.51B$1.40B
LoansQ1 2019vs Q1 2018$944.0MM$878.5MM
DepositsQ1 2019vs Q1 2018$1.33B$1.23B
Equity CapitalQ1 2019vs Q1 2018$163.4MM$149.5MM
Loan Loss AllowanceQ1 2019vs Q1 2018$13.0MM$12.7MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$5.8MM$4.0MM
Real Estate OwnedQ1 2019vs Q1 2018$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

0.30%*$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

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

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

2.00%$1k-24 Months CD
2.00%$1k-Business 24 Months CD
2.00%$1k-60 Months CD
2.00%$1k-Business 60 Months CD
1.75%$1k-12 Months CD
1.75%$1k-18 Months CD
1.75%$1k-Business 12 Months CD
1.75%$1k-Business 18 Months CD
1.75%$1k-48 Months CD
1.75%$1k-Business 48 Months CD
1.75%$10k-21 Months You Choose CD
1.75%$10k-Business 21 Months You Choose CD
1.70%$1k-36 Months CD
1.70%$1k-Business 36 Months CD
0.70%$1k-180 Days CD
0.70%$10k-7 Months Access CD
0.70%$1k-Business 180 Days CD
0.70%$1k-Business 7 Months Access CD
0.15%$1k-90 Days CD
0.15%$1k-Business 90 Days CD
0.10%$1k-30 Days CD
0.10%$1k-Business 30 Days CD

Montecito Bank & Trust IRA Rates

2.00%$1k-24 Months IRA
2.00%$1k-60 Month IRA
1.75%$1k-12 Months IRA
1.75%$1k-18 Months IRA
1.75%$1k-48 Month IRA
1.70%$1k-36 Months IRA
0.70%$1k-180 Days IRA
0.15%$1k-90 Days IRA
0.10%$1k-30 Days IRA


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