Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$2.0B
Total Deposits
$1.8B
Net Loans
$1.4B
Net Income
$3M
ROA
0.65%
Below avg for Community banks. Peer avg: 0.90%
ROE
7.27%
Risk-Based Capital
0.00%
Below avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 154 | 48.7% | 27.27% |
| 2023 | 137 | 60.58% | 17.52% |
| 2022 | 127 | 58.27% | 26.77% |
| 2021 | 221 | 61.99% | 19.91% |
| 2020 | 265 | 68.3% | 16.23% |
| 2019 | 203 | 61.08% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2024 | Outstanding | Large Bank |
| Jan 2021 | Outstanding | Large Bank |
| Dec 2017 | Outstanding | Intermediate Small Bank |
9 previous ratings locked — back to 1992
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
16
Branch Deposits
$1.9B
1-Year Change
0
5-year net change: +2 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/montecito-bank-and-trust" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 2018 | 173 | 74.57% | 11.56% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red