Total Assets
$2.0B
Total Deposits
$1.7B
Branches
17
Established
1975
Montecito Bank & Trust is a bank headquartered in Santa Barbara, California, established in 1975. It holds $2.0B in total assets across 17 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Montecito Bank & Trust earns a TFS Financial Health Grade of C (67.6/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
67.6 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Montecito Bank & TrustHQ | 1000 State St | Santa Barbara | CA | 11 |
| Montecito Bank & Trust | 770 Paseo Camarillo | Camarillo | CA | 11 |
| Montecito Bank & Trust | 1023 Casitas Pass Rd | Carpinteria | CA | 11 |
| Montecito Bank & Trust | 6900 Hollister Ave | Goleta | CA | 11 |
| Montecito Bank & Trust | 5658 Calle Real | Goleta | CA | 11 |
| Montecito Bank & Trust | 1106 Coast Village Rd | Montecito | CA | 11 |
| Montecito Bank & Trust | 300 Hot Springs Rd | Montecito | CA | 11 |
| Montecito Bank & Trust | 300 W Esplanade Dr | Oxnard | CA | 11 |
| Montecito Bank & Trust | 5486 Calle Real | Santa Barbara | CA | 11 |
| Montecito Bank & Trust | 2034 Cliff Dr | Santa Barbara | CA | 11 |
| Montecito Bank & Trust | 3802 State St | Santa Barbara | CA | 11 |
| Montecito Bank & Trust | 2550 Treasure Dr | Santa Barbara | CA | 11 |
| Montecito Bank & Trust | 2125 South Broadway | Santa Maria | CA | 11 |
| Montecito Bank & Trust | 591 Alamo Pintado Rd | Solvang | CA | 27 |
| Montecito Bank & Trust | 591 Alamo Pintado Rd | Solvang | CA | 11 |
| Montecito Bank & Trust | 4730 Telephone Rd | Ventura | CA | 11 |
| Montecito Bank & Trust | 101 N Westlake Blvd | Westlake Village | CA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
67.6
Tier 1 capital ratio
11.29%
Return on assets
0.60%
Non-performing loans
0.17%
Efficiency ratio
81.23%
Asset growth (YoY)
-5.38%
Suggested direct comparisons
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$2.0B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.