Montecito Bank & Trust

Overview / Commentary
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 512th largest bank in the nation. It was established in 1975 and as of December of 2020, it had grown to 248 employees at 15 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 - YTD0.67%
Return on Equity - YTD6.58%
Annual Interest Income$63.8MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$1.95B$1.61B
LoansQ4 2020vs Q4 2019$1.30B$1.03B
DepositsQ4 2020vs Q4 2019$1.73B$1.41B
Equity CapitalQ4 2020vs Q4 2019$188.8MM$174.1MM
Loan Loss AllowanceQ4 2020vs Q4 2019$14.6MM$13.1MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$9.3MM$8.5MM
Real Estate OwnedQ4 2020vs Q4 2019$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

0.05%--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

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

0.07%--Private Access Checking
0.05%--Community Dividends Checking
0.02%--Access Checking
0.02%--Business Interest Checking

Montecito Bank & Trust CD Rates

0.40%$1k-60 Month CD
0.40%$1k-Business 60 Month 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 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-90 Day CD
0.10%$1k-180 Day CD
0.10%$1k-Business 30 Day CD
0.10%$1k-Business 90 Day CD
0.10%$1k-Business 180 Day CD

Montecito Bank & Trust IRA Rates

0.40%$1k-60 Month 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
0.10%$1k-90 Day IRA
0.10%$1k-180 Day IRA


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