Montecito Bank & Trust is a bank based in Santa Barbara, California, established in 1975, with $2.0 billion in total assets across 17 branches. By Trust Grade it ranks 90th of 117 banks we track in California. Its capital ratio of 9.1% trails most similarly sized banks (25th percentile), versus a California median of 11.7%. It was profitable over the most recent period, with a 0.65% return on assets. No consumer complaints against Montecito Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Montecito Bank & Trust compares to California peers
How we graded Montecito Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.1% capital ratio)
- Profitable (ROA 0.65%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Montecito Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (17)
- 1000 State St, Santa Barbara, CA 93101
- 1106 Coast Village Rd, Montecito, CA 93108
- 5658 Calle Real, Goleta, CA 93117
- 3802 State St, Santa Barbara, CA 93105
- 1023 Casitas Pass Rd, Carpinteria, CA 93013
- 591 Alamo Pintado Rd, Solvang, CA 93463
- 4730 Telephone Rd, Ventura, CA 93003
- 591 Alamo Pintado Rd, Solvang, CA 93463
- 6900 Hollister Ave, Goleta, CA 93117
- 770 Paseo Camarillo, Camarillo, CA 93010
- 2034 Cliff Dr, Santa Barbara, CA 93109
- 5486 Calle Real, Santa Barbara, CA 93111
- 300 Hot Springs Rd, Montecito, CA 93108
- 2550 Treasure Dr, Santa Barbara, CA 93105
- 101 N Westlake Blvd, Westlake Village, CA 91362
- 2125 South Broadway, Santa Maria, CA 93454
- 300 W Esplanade Dr, Oxnard, CA 93036
Are deposits at Montecito Bank & Trust insured?
Yes. Montecito Bank & Trust is an FDIC-insured bank (FDIC certificate #21956). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Montecito Bank & Trust: frequently asked questions
Is Montecito Bank & Trust a good bank?
Montecito Bank & Trust earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (9.1% capital ratio); Profitable (ROA 0.65%).
Is Montecito Bank & Trust FDIC-insured?
Yes. Montecito Bank & Trust is a FDIC-insured bank (FDIC certificate #21956). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Montecito Bank & Trust?
Montecito Bank & Trust holds $2.0 billion in total assets, ranking 90th of 117 banks we track in California. It operates 17 branches.
Does Montecito Bank & Trust have CFPB complaints?
No CFPB complaints against Montecito Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
