This institution is no longer active

Operations ceased on December 3, 2012. CRA examination history below reflects the period it was active.

SANTA BARBARA BANK & TRUST

SANTA BARBARA, CA · Supervised by FDIC

Est. 1960FDIC #18,169RSSD: FDIC-18169

Part ofFORD DAUGHTERS FINANCIAL TRUST→ View all charters

Outstanding Up

Current rating · Exam: March 1993

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.75%

Institution Profile

FDIC BankFind

Address

20 East Carrillo Street, SANTA BARBARA, CA

County

Santa Barbara County

Established

March 17, 1960

Total Assets

$6.0B(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

March 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2012Call Report / FDIC

Total Assets

$6.0B

Total Deposits

$4.7B

Net Loans

$3.8B

Net Income

$77M

ROA

1.75%

Above avg for Community banks. Peer avg: 0.90%

ROE

13.10%

Risk-Based Capital

21.59%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.75%Peer avg: 0.90%▲ Above avg

Risk-Based Capital21.59%Peer avg: 12.91%▲ Above avg

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

Exam Date	Rating	Exam Type
Mar 1993	Outstanding	Not Reported
Jun 1990	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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