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Overview / Commentary
1000 State Street
Santa Barbara, CA 93101

Montecito Bank & Trust is headquartered in Santa Barbara and is the 47th largest bank in the state of California. It is also the 580th largest bank in the nation. It was established in 1975 and as of September of 2016, it had grown to 202 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 - YTD10.65%
Annual Interest Income$36.6MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$1.30B$1.22B
LoansQ3 2016vs Q3 2015$786.7MM$672.9MM
DepositsQ3 2016vs Q3 2015$1.14B$1.07B
Equity CapitalQ3 2016vs Q3 2015$144.6MM$128.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$10.6MM$10.7MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$3.1MM$6.6MM
Real Estate OwnedQ3 2016vs Q3 2015$0$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, Suite 120Camarillo, CA 93010