Banks | Montecito Bank & Trust

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 - April 25, 2024

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

Overview 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 21956
Date Established 1975
Assets $ 2.13 billion
Loans $ 1,216.65 million
Deposits $ 1,845.75 million
Capital $ 147.95 million

Summary Balance Sheet as of June 30, 2023

ASSETS
Cash & Balances due from depository institutions $ 42.36 million
Interest-bearing balances $ 19.76 million
Total securities $ 728.93 million
Federal funds sold and reverse repurchase $ 0.20 million
Net loans and leases $ 1,216.65 million
Loan loss allowance $ 14.27 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 $ 1,984.77 million

LIABILITIES
Total deposits $ 1,845.75 million
      Interest-bearing deposits $ 1,161.34 million
      Deposits held in domestic offices $ 1,845.75 million
      % insured (estimated) 58.32%
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 $ 1,984.77 million
      Shareholders’ Equity $ 147.95 million

Summary Income Statement as of June 30, 2023

INCOME AND EXPENSES
Total Interest Income $ 80.10 million
Total Interest Expense $ 9.95 million
Net interest income $ 70.15 million
Provision for loan and lease losses N.A.
Total non interest income $ 12.67 million
Total non interest expense $ 65.90 million
Pre-tax Net Operating Income $ 13.53 million

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