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Overview / Commentary
1000 State Street
Santa Barbara, CA 93101

Montecito Bank & Trust is headquartered in Santa Barbara and is the 49th largest bank in the state of California. It is also the 578th largest bank in the nation. It was established in 1975 and as of March of 2016, it had grown to 212 employees at 11 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 - YTD1.15%
Return on Equity - YTD10.97%
Annual Interest Income$11.8MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$1.26B$1.20B
LoansQ1 2016vs Q1 2015$711.6MM$631.3MM
DepositsQ1 2016vs Q1 2015$1.11B$1.06B
Equity CapitalQ1 2016vs Q1 2015$135.8MM$126.9MM
Loan Loss AllowanceQ1 2016vs Q1 2015$10.5MM$11.1MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$6.2MM$7.9MM
Real Estate OwnedQ1 2016vs Q1 2015$1.6MM$1.6MM

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Montecito Bank & Trust Locations
Montecito Bank & Trust1000 State StreetSanta Barbara, CA 93101
Carpinteria Branch1023 Casitas Pass RoadCarpinteria, CA 93013
Montecito Branch1106-A Coast Village RoadMontecito, CA 93108
LA Cumbre Branch3802 State StreetSanta Barbara, CA 93105
Ventura Branch4730 Telephone RoadVentura, CA 93003
Goleta Branch5658 Calle RealGoleta, CA 93117
Solvang Branch591 Alamo Pintado RoadSolvang, CA 93463
Hollister Branch6900 Hollister AvenueGoleta, CA 93117
Westlake Village Branch968 South Westlake Blvd., Suite 10Westlake Village, CA 91361
Camarillo Branch770 Paseo Camarillo # 120Camarillo, CA 93010