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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 44th largest bank in the state of California. It is also the 534th largest bank in the nation. It was established in 1975 and as of December of 2019, it had grown to 229 employees at 15 locations. Montecito Bank & Trust has an A health rating.

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Health
A

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #21956
Year Established1975
Employees229
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD6.05%
Annual Interest Income$63.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$1.61B$1.49B
LoansQ4 2019vs Q4 2018$1.03B$940.9MM
DepositsQ4 2019vs Q4 2018$1.41B$1.32B
Equity CapitalQ4 2019vs Q4 2018$174.1MM$157.5MM
Loan Loss AllowanceQ4 2019vs Q4 2018$13.1MM$12.8MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$8.5MM$6.7MM
Real Estate OwnedQ4 2019vs Q4 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
0.05%--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
0.40%$1k-60 Month CD
0.40%$1k-Business 60 Month CD
0.15%$1k-90 Day CD
0.15%$1k-180 Day CD
0.15%$10k-7 Month Access CD
0.15%$1k-12 Month CD
0.15%$1k-18 Month CD
0.15%$1k-24 Month CD
0.15%$1k-36 Month CD
0.15%$1k-Business 90 Day CD
0.15%$1k-Business 180 Day CD
0.15%$1k-Business 7 Month Access CD
0.15%$1k-Business 12 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-30 Day CD
0.10%$1k-Business 30 Day CD

Montecito Bank & Trust IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-60 Month IRA
0.15%$1k-90 Day IRA
0.15%$1k-180 Day IRA
0.15%$1k-12 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-30 Day IRA
Locations

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