Montecito Bank & Trust

Overview / Commentary
1000 State Street
Santa Barbara, CA 93101

Montecito Bank & Trust is headquartered in Santa Barbara and is the 43rd largest bank in the state of California. It is also the 481st largest bank in the nation. It was established in 1975 and as of September of 2021, it had grown to 258 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 - YTD0.74%
Return on Equity - YTD8.37%
Annual Interest Income$51.0MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$2.29B$1.89B
LoansQ3 2021vs Q3 2020$1.25B$1.31B
DepositsQ3 2021vs Q3 2020$2.07B$1.66B
Equity CapitalQ3 2021vs Q3 2020$190.6MM$187.4MM
Loan Loss AllowanceQ3 2021vs Q3 2020$14.7MM$14.6MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$6.0MM$8.9MM
Real Estate OwnedQ3 2021vs Q3 2020$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

0.25%$1k-60 Month CD
0.25%$1k-Business 60 Month CD
0.15%$1k-18 Month CD
0.15%$1k-24 Month CD
0.15%$1k-36 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-180 Day CD
0.10%$10k-7 Month Access CD
0.10%$1k-12 Month CD
0.10%$1k-Business 180 Day CD
0.10%$1k-Business 7 Month Access CD
0.10%$1k-Business 12 Month CD
0.05%$1k-30 Day CD
0.05%$1k-90 Day CD
0.05%$1k-Business 30 Day CD
0.05%$1k-Business 90 Day CD

Montecito Bank & Trust IRA Rates

0.25%$1k-60 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-180 Day IRA
0.10%$1k-12 Month IRA
0.05%$1k-30 Day IRA
0.05%$1k-90 Day IRA


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