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Montecito Bank & Trust

Montecito Bank & Trust is an FDIC insured institution headquartered at 1000 State St, Santa Barbara, CA 93101.
It was founded in 1975 and has approximately $2 billion in assets. Customers can open an account at one of its 13 branches.

Deposit Rates - August 15, 2026

SAVINGS RATES	APY	MIN
Savings	0.02%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.15%	$10,000	Compare
6 Mo CD	0.15%	$100,000	Compare
12 Mo CD	0.15%	$10,000	Compare
12 Mo CD	0.15%	$100,000	Compare
18 Mo CD	0.15%	$10,000	Compare
18 Mo CD	0.15%	$100,000	Compare
24 Mo CD	0.15%	$10,000	Compare
24 Mo CD	0.15%	$100,000	Compare
36 Mo CD	0.15%	$10,000	Compare
36 Mo CD	0.15%	$100,000	Compare
48 Mo CD	0.15%	$10,000	Compare
48 Mo CD	0.15%	$100,000	Compare
60 Mo CD	0.40%	$10,000	Compare
60 Mo CD	0.40%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.05%	$2,500	Compare
Money Market	0.05%	$10,000	Compare
Money Market	0.05%	$25,000	Compare

PREMM RATES	APY	MIN
Premium Money Market	0.15%	$10,000	Compare
Premium Money Market	0.15%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.02%	$2,500

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

PenFed Credit Union
NMLS ID: 401822 / Updated 2026-08-15
Equal Housing Lender

HELOC: Put Equity to Work

HELOC: Put Equity to Work
Credit Union rates2. Save on closing costs2.
Fund renovations or consolidate debt with one flexible solution.
Pay interest only on the amount you borrow.

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22

Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months

$25,000

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Reliant Home Funding, Inc.
NMLS ID: 292473

6.265%

$1,945 Fees & Points $4,814 Total
0.881 Pts ($2,819)
$1,995 Fees

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding

PenFed Credit Union
NMLS ID: 401822

6.620%

$2,023 Fees & Points $3,995 Total
0.625 Pts ($2,000)
$1,995 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Quicken Loans
NMLS ID: 167283

Fees & Points Total
Pts ($0)
$0 Fees

Turn equity into cash for new opportunities by comparing lender options.
Lower your monthly payments and start saving for life's big expenses
See if you could keep your rate and get cash out

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 21956
Date Established	1975
Assets	$ 2.06 billion
Loans	$ 1,330.39 million
Deposits	$ 1,816.28 million
Capital	$ 182.06 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 20.85 million
Interest-bearing balances	$ 5.28 million
Total securities	$ 572.14 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 1,330.39 million
Loan loss allowance	$ 13.58 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 7.32 million
All other assets	$ 112.76 million
Total Assets	$ 1,876.33 million

LIABILITIES
Total deposits	$ 1,816.28 million
Interest-bearing deposits	$ 1,140.92 million
Deposits held in domestic offices	$ 1,816.28 million
% insured (estimated)"	59.58%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 42.83 millionn
Total Liabilities	$ 1,876.33 million
Shareholders’ Equity	$ 182.06 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 86.77 million
Total Interest Expense	$ 18.84 million
Net interest income	$ 67.94 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 14.01 million
Total non interest expense	$ 69.43 million
Pre-tax Net Operating Income	$ 13.53 million

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Branches

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