MONTECITO BCORP is the bank holding company. MONTECITO BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

MONTECITO BCORP

Legal name: MONTECITO BANCORP

1 active bank · $2.0B combined assets

RSSD ID: 1138919 (FFIEC NIC)

Combined Assets

$2.0B

CRA Rating Summary

Outstanding1charter

Across all 12 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankMONTECITO BANK & TRUSTSANTA BARBARA, CAOutstanding$2.0BView profile →

At a Glance

Dominant CRA Rating

Outstanding

1 of 1 bank · Exceeds expectations for community lending

Combined Assets

$2.0B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$1.8B

Net Income

$3M

ROA (avg)

0.65%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

154

Origination Rate

48.7%

Denial Rate

27.27%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
MONTECITO BANK & TRUST	SANTA BARBARA, CA	FDIC	$2.0B	100.0%	Outstanding	Jan 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.