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Montecito Bank & Trust

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Montecito Bank & Trust Rates & Review August 2026

Q: How many branches does Montecito Bank & Trust operate?

Montecito Bank & Trust currently maintains approximately 17 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Montecito Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Montecito Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Montecito Bank & Trust rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Montecito Bank & Trust, and you can see how they compare in the Montecito Bank & Trust rate tables below. MonitorBankRates evaluates the financial stability of Montecito Bank & Trust with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.79%. Database rates last updated and verified on 08/30/2026.

Montecito Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Montecito Bank & Trust? Share your experience about Montecito Bank & Trust by leaving a review below, or read customer reviews before you decide to use Montecito Bank & Trust.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.79%

Excellent Lower than avg

Montecito Bank & Trust

1000 State St
Santa Barbara, CA 93101

https://www.montecito.bank

Current Rate Availability

We're not currently displaying rates for Montecito Bank & Trust, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Montecito Bank & Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Montecito Bank & Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Montecito Bank & Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Montecito Bank & Trust

Bank Holding Company MONTECITO BCORP

Address 1000 State St, Santa Barbara, CA 93101 · Santa Barbara

Website https://www.montecito.bank

FDIC Certificate # 21956

Established 03/17/1975

FDIC Insurance Date 03/17/1975

Domestic Offices 17

Total Branches 17

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.79%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6403%

Return on Equity (ROE) 10.4600%

Non-Performing Loans (NPL) 0.17%

Total Assets $2,058,386,000

Total Deposits $1,816,276,000

Equity Capital $182,060,000

Net Income $9,425,000

Headquarters Santa Barbara

Total Branches and Offices 17

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Montecito Bank & Trust

How many branches does Montecito Bank & Trust operate?

Montecito Bank & Trust currently maintains approximately 17 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Montecito Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Montecito Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Does Montecito Bank & Trust offer online and mobile banking?

Most modern institutions like Montecito Bank & Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.montecito.bank.