🏦Bank Scorer

MONTECITO BANK & TRUST

SANTA BARBARA, CA · Supervised by FDIC

Est. 1975FDIC #21,956RSSD: FDIC-21956
Part ofMONTECITO BCORP→ View all charters
Outstanding Same

Current rating · Exam: January 2024

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.65%

Institution Profile

FDIC BankFind

Address

1000 State St, SANTA BARBARA, CA

County

Santa Barbara County

Established

March 17, 1975

Total Assets

$2.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.0B

Total Deposits

$1.8B

Net Loans

$1.4B

Net Income

$3M

ROA

0.65%

ROE

7.27%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate27.27%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

16

Branch Deposits

$1.9B

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202415448.7%27.27%
202313760.58%17.52%
202212758.27%26.77%
202122161.99%19.91%
202026568.3%16.23%
201920361.08%19.70%
201817374.57%11.56%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/0768e1d6-fe7c-4c16-ac73-c3f17ed4ca87"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: