Montecito Bank & Trust
Santa Barbara, CA · Owner: Montecito Bcorp
$2.0B
total assets, June 30, 2026
$2.0B
total assets, June 30, 2026
Montecito Bank & Trust is a state nonmember bank based in Santa Barbara, CA, owned by Montecito Bcorp. As of June 30, 2026 it held $2.0 billion in assets and $1.7 billion in deposits; assets were down 5.4% from a year before. It has 16 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$2.0B
-5.4% in a year · -0.9% in a quarter
Deposits
$1.7B
-7.7% in a year · -3.6% in a quarter
Loans
$1.4B
+3.7% in a year · -0.3% in a quarter
Profit so far
$6.1M
Jan 1 to Jun 30, 2026 · +85.6% in a year
Capital ratio
11.29%
+0.99 pts in a year
Return on assets
0.60%
+0.29 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 1000 State St, Santa Barbara, CA, 93101
- County
- Santa Barbara
- Holding company
- Montecito Bcorp
- Established
- Mar 17, 1975
- Employees
- 266
- Branches
- 16
- Website
- www.montecito.bank
- Id
- b21956
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
16 offices as of June 30, 2026, holding $1.7 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| California | 16 | $1.7B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Montecito Bank & Trust (main office) | Santa Barbara, CA | $311M |
| Montecito Branch | Montecito, CA | $260M |
| Solvang Branch | Solvang, CA | $243M |
| La Cumbre Branch | Santa Barbara, CA | $181M |
| Goleta Branch | Goleta, CA | $160M |
| Carpinteria Branch | Carpinteria, CA | $147M |
| Ventura Branch | Ventura, CA | $134M |
| Hollister Branch | Goleta, CA | $72.0M |
| Westlake Branch | Westlake Village, CA | $69.2M |
| Mesa Branch | Santa Barbara, CA | $66.6M |
Related pages
Questions and answers
How big is Montecito Bank & Trust?
$2.0 billion in total assets and $1.7 billion in deposits as of June 30, 2026, with assets down 5.4% from a year before. Its loans were $1.4 billion.
How many branches does Montecito Bank & Trust have?
16 branches in California as of June 30, 2026.
Is Montecito Bank & Trust profitable?
Yes: it earned $6.10 million from January 1 to June 30, 2026 (up 85.6% from the same months a year before). Its return on assets was 0.60% a year; about 1% is typical.
Who owns Montecito Bank & Trust?
Montecito Bank & Trust is owned by Montecito Bcorp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.