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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Montecito Bank & Trust Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 14, 2026
You can compare Montecito Bank & Trust rates to other rates in our database, including 12-month CD rates currently at 3.50%, 6-month CD rates at 1.46% and 3-month CD rates at 0.95%. Savings rates are at 0.05% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 5.54%. All these rates can be compared to Montecito Bank & Trust rates. 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%. Rates were last updated on 04/14/2026. 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. 
Montecito Bank & Trust Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates 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 & AssetsA+
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 Offices
17
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Montecito Bank & TrustIs Montecito Bank & Trust a safe place to deposit money?Yes, Montecito Bank & Trust is considered a safe financial institution. With a Texas Ratio of 2.7916831779253%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. 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. Compare to Other Banks
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