Bank · FDIC insured
Montecito Bank & Trust
A $2B bank headquartered in Santa Barbara, CA, with 16 branches in California. Best rates: CDs 3.00% and savings 0.05% APY.
Montecito Bank & Trust Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#16 of 18 in Santa Maria, CA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Montecito Bank & Trust
Montecito Bank & Trust was founded in 1975 as the Bank of Montecito to serve the needs of the local community.
The institution officially became Montecito Bank & Trust in February 1996 upon opening its Trust & Investment division.
The bank operates 16 branches serving California's Central Coast.
- Headquarters
- 1000 State St, Santa Barbara, CA 93101
- FDIC certificate
- 21956 ↗
Branches
16 branches in California
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California
16 branches
Santa Maria area · 12
- Montecito Bank & TrustMain office1000 State St, Santa Barbara, CA 93101Directions
- Carpinteria Branch1023 Casitas Pass Rd, Carpinteria, CA 93013Directions
- Goleta Branch5658 Calle Real, Goleta, CA 93117Directions
- Hollister Branch6900 Hollister Ave, Goleta, CA 93117Directions
- Casa Dorinda300 Hot Springs Rd, Montecito, CA 93108Directions
- Montecito Branch1106 Coast Village Rd, Montecito, CA 93108Directions
- La Cumbre Branch3802 State St, Santa Barbara, CA 93105Directions
- Maravilla5486 Calle Real, Santa Barbara, CA 93111Directions
- Mesa Branch2034 Cliff Dr, Santa Barbara, CA 93109Directions
- Samarkand2550 Treasure Dr, Santa Barbara, CA 93105Directions
- Santa Maria Branch2125 South Broadway, Santa Maria, CA 93454Directions
- Solvang Branch591 Alamo Pintado Rd, Solvang, CA 93463Directions
Oxnard area · 4
- Camarillo Branch770 Paseo Camarillo, Camarillo, CA 93010Directions
- Oxnard Branch300 W Esplanade Dr, Oxnard, CA 93036Directions
- Ventura Branch4730 Telephone Rd, Ventura, CA 93003Directions
- Westlake Branch101 N Westlake Blvd, Westlake Village, CA 91362Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.29% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.17% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.60% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $80 | $88 | — |
- CapitalLeverage ratio11.29%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.17%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.60%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$80Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Montecito Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.