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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 - January 22, 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




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 21956
Date Established 1975
Assets $ 2.09 billion
Loans $ 1,331.04 million
Deposits $ 1,871.90 million
Capital $ 178.40 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 26.80 million
Interest-bearing balances $ 8.68 million
Total securities $ 594.31 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,331.04 million
Loan loss allowance $ 13.61 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 $ 1,911.17 million

LIABILITIES
Total deposits $ 1,871.90 million
      Interest-bearing deposits $ 1,184.76 million
      Deposits held in domestic offices $ 1,871.90 million
      % insured (estimated)" 58.66%
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 $ 1,911.17 million
      Shareholders’ Equity $ 178.40 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 65.21 million
Total Interest Expense $ 15.26 million
Net interest income $ 49.94 million
Provision for loan and lease losses N.A.
Total non interest income $ 10.36 million
Total non interest expense $ 51.55 million
Pre-tax Net Operating Income $ 13.53 million

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Branches

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Montecito Bank & Trust Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Montecito Bank & Trust
    Bank
    CALIFORNIA
    $50,000
    N.A.
    0.02%
    0.09x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 10 7
    2 50,010 10 7
    3 50,020 10 7
    4 50,030 10 7
    5 50,040 10 7
    6 50,050 10 7
    7 50,060 10 7
    8 50,070 10 7
    9 50,080 10 7
    10 50,090 10 7
    11 50,100 10 7
    12 50,110 10 7
    13 50,120 10 7
    14 50,130 10 7
    15 50,140 10 7
    16 50,150 10 7
    17 50,160 10 7
    18 50,170 10 7
    19 50,180 10 7
    20 50,190 10 7
    TOTAL $200 $140
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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