FDIC Cert #21956 · Santa Barbara, California · Est. 1975

Montecito Bank & Trust - FDIC Bank Health Profile

A community-scale look at Montecito Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.1B
Total assets
C
Health grade · Fair
0.45%
Return on assets
10.7%
Tier 1 capital

Data updated July 2026

The verdict

Montecito Bank & Trust earns a PlainBankData health grade of C (55/100), with well-capitalized at 10.74% Tier 1, 0.45% ROA, 85% efficiency ratio.

#586
largest of 4,313 FDIC banks by assets
86th
percentile by asset size, nationally
10.74%
Tier 1 ratio - above the 10% well-capitalized line
14th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 21956 · CA C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4005/4307
  • PHOTO-FINISH United Orient Bank · NY
  • TIER1-WELL 10.7% Tier 1
  • TEXAS-CLEAN 1.6% Texas
  • ROA-THIN 0.45% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: United Orient Bank, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Montecito Bank & Trust

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Bank · OK · near55/100Intercredit Bank, Na… · FL ·…55/100Montecito Bank & Trust · CA …55/100OneUnited Bank · MA · near55/100United Orient Bank · NY · ne…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Montecito Bank & Trust · July 2026

Call Report read for Montecito Bank & Trust in a high-failure state

Montecito Bank & Trust (FDIC Cert #21956) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,005 of 4,307. Tier 1 capital prints at 10.74%, clearing the 10% well-capitalized line. The Texas Ratio is 1.58%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.45%. Balance-sheet scale is $2.1B, 586th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is United Orient Bank (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Montecito Bank & Trust

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Montecito Bank & Trust sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Montecito Bank & Trust's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How Montecito Bank & Trust's 55/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10055/100
Montecito Bank & Trust's composite health score
Tier 1 Capital Ratio (10.74%) 28/40
Return on Assets (ROA) (0.45%) 7/25
Texas Ratio (1.58%) 20/20
Efficiency Ratio (84.73%) 0/15

55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.1B

Total balance-sheet footings

Total Deposits

$1.8B

Customer-funded liabilities

Net Loans

$1.3B

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.34% 10.74% 12.14%
Basel III capital ratios - Montecito Bank & Trust

Where Montecito Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Montecito Bank & Trust's score of 55/100 falls in the highlighted band.

Montecito Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 7th percentile higher than 7% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Montecito Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Montecito Bank & Trust's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Montecito Bank & Trust's $2.1B falls in the highlighted band.

Capital & credit buffers at Montecito Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

10.74% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.74%
Texas Ratio
1.58%
Equity Capital
$182M

What these ratios mean →

Profitability metrics: Montecito Bank & Trust

Return on Assets (ROA)
14th percentile nationally
0.45%
Return on Equity (ROE)
5.53%
Efficiency Ratio
84.73%

What these mean →

Income & expense at Montecito Bank & Trust

$87M
Interest Income
$14M
Non-Interest Income
$69M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Montecito Bank & Trust reports a Texas Ratio of 1.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Montecito Bank & Trust on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.1B here), outside California so the neighborhood is not state containment.

NorthEast Community Bank $2.1B · NY First Community Bank $2.1B · SC First United Bank & Trust $2.1B · MD Starion Bank $2.1B · ND

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Montecito Bank & Trust (FDIC Cert #21956) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Montecito Bank & Trust Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%