Montecito Bank & Trust

Overview / Commentary
1000 State Street
Santa Barbara, CA 93101

Montecito Bank & Trust is headquartered in SANTA BARBARA and is the 42nd largest bank in the state of California. It is also the 553rd largest bank in the nation. It was established in 1975 and as of September of 2023, it had grown to 283 employees at 16 locations. Montecito Bank & Trust's CD rates are 3X the national average, and it has a B health rating.


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Health Grade Components

FDIC Certificate #21956
Year Established1975
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD10.46%
Annual Interest Income$59.5MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$2.08B$2.39B
LoansQ3 2023vs Q3 2022$1.2B$1.19B
DepositsQ3 2023vs Q3 2022$1.85B$2.22B
Equity CapitalQ3 2023vs Q3 2022$123.7MM$120.1MM
Loan Loss AllowanceQ3 2023vs Q3 2022$14.6MM$14.8MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$3.3MM$7MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Montecito Bank & Trust; we are a rate comparison website and cannot provide official rates or promotions.

* 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%--Personal Savings
0.05%--First Steps Savings
0.05%--Business Savings
0.05%--Business Sweep Savings
0.05%--CA Saver
0.05%--Health Savings Account

Montecito Bank & Trust Money Market Rates

0.50%*$500k*-Non Profit Relationship Money Market
OTHER TIERS: 0.35% Up to $100k | 0.45% $100k - $500k
0.35%*$500k*-Personal Relationship Bonus Money Market (Access, Private Access)
OTHER TIERS: 0.25% Up to $100k | 0.30% $100k - $500k
0.30%*$500k*-Business Relationship Money Market
OTHER TIERS: 0.15% Up to $100k | 0.25% $100k - $500k
0.20%*$500k*-Business Money Market
OTHER TIERS: 0.05% Up to $100k | 0.15% $100k - $500k
0.20%*$500k*-Personal Relationship Bonus Money Market (Cashback)
OTHER TIERS: 0.10% Up to $100k | 0.15% $100k - $500k
0.18%*$500k*-Everyday Personal Relationship Bonus Money Market
OTHER TIERS: 0.08% Up to $100k | 0.13% $100k - $500k
0.15%*$500k*-Montecito Money Fund
OTHER TIERS: 0.05% Up to $100k | 0.10% $100k - $500k

Montecito Bank & Trust Checking Account Rates

0.10%--Community Dividends Checking
0.10%--Private Access Checking
0.05%--Access Checking
0.05%--Business Interest Checking

Montecito Bank & Trust CD Rates

4.29%$10k-7 Month Access CD
4.29%$1k-Business 7 Month Access CD
3.05%$1k-12 Month CD
3.05%$1k-Business 12 Month CD
2.85%$1k-180 Day CD
2.85%$1k-Business 180 Day CD
2.40%$1k-90 Day CD
2.40%$1k-Business 90 Day CD
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
0.05%$1k-30 Day CD
0.05%$1k-Business 30 Day CD

Montecito Bank & Trust IRA Rates

3.05%$1k-12 Month IRA
2.85%$1k-180 Day IRA
2.40%$1k-90 Day IRA
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
0.05%$1k-30 Day IRA


Santa Barbara Area

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