MONTECITO BANK&TRUST

FDIC #21956 · CA · period 20260630

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Total assets1,257,576-5.14% YoY

Total deposits1,106,096-4.93% YoY

Net loans and leases711,589-17.81% YoY

Return on assets1.15%-16.90% YoY

Return on equity10.97%-18.26% YoY

Net interest margin3.83%-9.09% YoY

Peer position

Return on assets11thopportunity · n=902

Return on equity14thopportunity · n=894

Net interest margin63rdin line · n=902

Equity to assets28thopportunity · n=894

Noncurrent loans81ststrength · n=887

Liquid assets66thin line · n=895

Brokered deposits100thstrength · n=890

Loans to deposits70thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,257,576	1,106,096	711,589	1.15	10.97	3.83
2016-06-30	1,276,897	1,097,804	741,447	1.15	10.69	3.85
2016-09-30	1,300,618	1,139,006	786,699	1.15	10.65	3.90
2016-12-31	1,337,179	1,175,647	857,531	1.13	10.63	3.93
2017-03-31	1,325,731	1,163,417	865,754	1.38	13.42	4.22
2017-06-30	1,346,964	1,177,696	894,337	1.21	11.72	4.12
2017-09-30	1,347,935	1,174,587	913,604	1.22	11.69	4.11
2017-12-31	1,393,670	1,230,546	900,321	1.30	12.46	4.15
2018-03-31	1,400,490	1,233,038	878,500	2.73	25.90	4.04
2018-06-30	1,392,891	1,225,676	891,979	1.87	17.57	4.14
2018-09-30	1,396,215	1,225,355	904,042	1.67	15.60	4.17
2018-12-31	1,491,726	1,316,076	940,885	1.43	13.33	4.14
2019-03-31	1,510,835	1,329,429	943,995	0.76	7.15	3.96
2019-06-30	1,542,828	1,353,888	967,486	0.77	7.08	3.95
2019-09-30	1,537,912	1,343,070	1,004,247	0.74	6.79	3.98
2019-12-31	1,608,513	1,412,215	1,027,290	0.66	6.05	3.91
2020-03-31	1,602,921	1,372,911	1,067,929	0.71	6.54	3.75
2020-06-30	1,882,135	1,667,647	1,264,248	0.79	7.55	3.73
2020-09-30	1,885,633	1,664,089	1,306,791	0.73	7.10	3.64
2020-12-31	1,952,638	1,732,862	1,303,054	0.67	6.58	3.56
2021-03-31	2,096,304	1,883,066	1,357,972	0.76	8.23	3.31
2021-06-30	2,185,565	1,967,057	1,286,688	0.82	9.01	3.37
2021-09-30	2,290,165	2,074,662	1,247,481	0.74	8.37	3.26
2021-12-31	2,351,262	2,134,016	1,159,465	0.81	9.25	3.31
2022-03-31	2,398,757	2,186,911	1,171,790	0.81	10.77	2.90
2022-06-30	2,462,012	2,276,022	1,176,931	0.80	11.57	3.03
2022-09-30	2,385,228	2,222,874	1,192,094	0.77	11.94	3.19
2022-12-31	2,285,315	2,112,120	1,180,373	0.77	12.25	3.34
2023-03-31	2,111,553	1,917,490	1,160,600	0.88	14.60	3.82
2023-06-30	2,086,522	1,874,452	1,172,748	0.72	11.61	3.68
2023-09-30	2,082,967	1,852,464	1,198,714	0.64	10.46	3.61
2023-12-31	2,132,719	1,845,754	1,216,654	0.57	9.10	3.55
2024-03-31	2,100,034	1,780,019	1,226,883	0.32	4.63	3.30
2024-06-30	2,122,580	1,802,015	1,251,081	0.30	4.25	3.26
2024-09-30	2,128,911	1,794,790	1,262,814	0.34	4.73	3.24
2024-12-31	2,110,843	1,810,736	1,273,848	0.29	4.00	3.23
2025-03-31	2,143,357	1,841,726	1,299,208	0.23	3.04	3.18
2025-06-30	2,132,842	1,875,092	1,324,794	0.31	4.01	3.28
2025-09-30	2,089,575	1,871,895	1,331,039	0.42	5.33	3.40
2025-12-31	2,058,386	1,816,276	1,330,388	0.45	5.53	3.49
2026-03-31	2,036,398	1,793,788	1,378,124	0.65	7.27	3.92
2026-06-30	2,018,080	1,729,975	1,374,430	0.60	6.59	3.91

Structure and branch footprint

17 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2001-10-01	1	1934876	514066

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.