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Overview / Commentary
1000 State Street
Santa Barbara, CA 93101

Montecito Bank & Trust is headquartered in Santa Barbara and is the 46th largest bank in the state of California. It is also the 566th largest bank in the nation. It was established in 1975 and as of December of 2016, it had grown to 206 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 - YTD1.13%
Return on Equity - YTD10.63%
Annual Interest Income$49.7MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$1.34B$1.24B
LoansQ4 2016vs Q4 2015$857.5MM$700.5MM
DepositsQ4 2016vs Q4 2015$1.18B$1.10B
Equity CapitalQ4 2016vs Q4 2015$135.5MM$125.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$11.1MM$10.5MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$2.3MM$6.6MM
Real Estate OwnedQ4 2016vs Q4 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