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 Montecito Bank & Trust
Montecito Bank & Trust
| RSSD ID 514066 | CERTIFICATE 21956 | ABA NUMBER 122234783 |
| 1000 State St |
Quarter Ended : |
2025-03-31 |
| Santa Barbara, California, 93101 |
Updated : |
2025-04-18 |
| www.montecito.bank |
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| Institution Profile |
| Year Opened : |
1975 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
17 |
Number of Employees : |
262 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 2,143,357 |
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Total Interest Income | 21,358 |
| Total Liabilities | 1,978,215 |
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Total NonInterest Income | 3,295 |
| Total Bank Equity Capital | 165,142 |
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Total Interest Expense | 5,720 |
| Total Deposits | 1,841,726 |
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Total NonInterest Expense | 17,398 |
| Net Loans & Leases | 1,299,208 |
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Net Income | 1,223 |
| Loan Loss Allowance | 14,209 |
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Net Charge Offs | 100 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 1,290,704 |
| Total assets for the leverage ratio | 2,207,962 |
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Loans secured by real estate: | 1,156,908 |
| Tier 1 Leverage Ratio | 10.19 |
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Commercial and industrial loans | 100,233 |
| Off Balance Sheet Exposures (%) | 18.51 |
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Loans to individuals - Credit Cards | 1,314 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 12,276 |
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:· Montecito Bank & Trust
