BlastPoint's Banking Scorecard
Montecito Bank & Trust
Designations: ✓ Community bank
Santa Barbara, CA
17 branches across CA
Montecito Bank & Trust has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 35.9% in tier
- + Non-Interest-Bearing Deposit Share 17.17% above tier average
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 2.7% in tier
- - Efficiency Ratio 18.79% above tier average
- - ROA 0.71% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
-5.0% YoY
-1.1% QoQ
|
-$779.3M |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$1.4B
+6.1% YoY
+3.6% QoQ
|
-$586.7M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$1.8B
-2.6% YoY
-1.2% QoQ
|
-$549.5M |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
0.65%
+183.3% YoY
+45.7% QoQ
|
-0.71% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.5% in tier |
| Net Interest Margin ? |
3.92%
+23.2% YoY
+12.5% QoQ
|
+0.10% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
79.85%
-13.1% YoY
-5.8% QoQ
|
+18.79% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate ? |
0.16%
-21.5% YoY
-32.0% QoQ
|
-0.73% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
76.83%
+8.9% YoY
+4.9% QoQ
|
-7.38% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
38.46%
+6.4% YoY
+3.4% QoQ
|
+17.17% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 5.4% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-12.4% YoY
-28.8% QoQ
|
-0.57% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
85% |
| Tier 1 Capital Ratio ? |
11.07%
+8.7% YoY
+3.1% QoQ
|
-4.09% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.18%
+15.3% YoY
-73.9% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
64% |
Get Full Access to Montecito Bank & Trust
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.