Loading bank profile
Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026
Q2 2026 · 4,313 institutions · refreshed 8/27/2026
Regulatory profile
FDIC certificate #21956 · RSSD 514066
MONTECITO BANK&TRUST is an FDIC-insured institution (FDIC certificate #21956). In its Q2 2026 Call Report it reported total assets of $2.0B, total deposits of $1.7B and net loans of $1.4B. Its primary federal regulator is FDIC.
Reported facts
Deterministic ratios for MONTECITO BANK&TRUST from its Q2 2026 Call Report. Detailed loan and deposit composition follows below.
| Equity to assets | 9.33% |
|---|---|
| Noncurrent loans ratio | 0.17% |
| Nonaccrual loans ratio | 0.17% |
| Loan to deposit ratio | 80.22% |
| Liquid assets ratio | 25.20% |
| Brokered deposit ratio | 0.00% |
| Total deposits | $1.7B |
| Net loans and leases | $1.4B |