BlastPoint's Banking Scorecard

Montecito Bank & Trust

$1B-$10B Specialty: Commercial CA FDIC cert 21956

Designations: ✓ Community bank

Santa Barbara, CA

17 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits -7.7% year over year ($1.7B on the books).
Delinquency rate 0.17%.
Return on assets 0.60%.
Efficiency ratio 81.23% vs a 59.73% peer average.
Loan-to-deposit ratio 79.45% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

Montecito Bank & Trust has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 28.0% in tier
+ Non-Interest-Bearing Deposit Share 18.91% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 5.0% in tier
- Efficiency Drag: Bottom 66.7% in tier
- Return on Assets 0.79% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$2.0B -5.4% YoY -0.9% QoQ	-$775.2M	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	50%
Total Loans ?	$1.4B +3.7% YoY -0.3% QoQ	-$588.8M	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	50%
Total Deposits ?	$1.7B -7.7% YoY -3.6% QoQ	-$588.9M	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	52%
Return on Assets ?	0.60% +94.0% YoY -8.1% QoQ	-0.79%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Bottom 9.6% in tier
Net Interest Margin ?	3.91% +19.2% YoY -0.4% QoQ	+0.03%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	81.23% -8.6% YoY +1.7% QoQ	+21.51%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Bottom 6.0% in tier
Delinquency Rate ?	0.17% -12.2% YoY +6.3% QoQ	-0.70%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	79.45% +12.4% YoY +3.4% QoQ	-5.59%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	69%
Non-Interest-Bearing Deposit Share ?	40.18% +11.1% YoY +4.5% QoQ	+18.91%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 4.2% in tier
Nonperforming Asset Ratio ?	0.11% -3.7% YoY +7.0% QoQ	-0.56%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	83%
Tier 1 Capital Ratio ?	11.29% +9.6% YoY +1.9% QoQ	-3.56%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.37% +15.9% YoY +106.6% QoQ	-0.16%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	66%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	40.2% +4.0pp YoY +1.7pp QoQ	+18.8pp	21.4%	25.5%	22.2%	96%
Brokered Deposits	n/a	n/a	9.5%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	8.9% +1.0pp YoY -0.3pp QoQ	-5.1pp	14.0%	11.8%	12.5%	39%
CRE	59.4% -2.7pp YoY -0.5pp QoQ	+9.4pp	50.0%	67.5%	41.4%	74%
1-4 Family	27.5% -0.3pp YoY +0.3pp QoQ	+1.1pp	26.4%	16.5%	31.3%	60%
Consumer	2.0% +0.7pp YoY +0.3pp QoQ	-2.7pp	4.7%	5.3%	5.0%	64%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	23.7%	19.7%	n/a
Leverage Ratio	11.3% +1.0pp YoY +0.2pp QoQ	0.0pp	11.3%	14.5%	12.6%	66%
Total Capital Ratio	n/a	n/a	16.7%	25.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	266 +4 (+1.5%) YoY +1 (+0.4%) QoQ	-48	313	337	482	58%
Assets per Employee ($)	$7.6M -6.8% YoY -1.3% QoQ	-$2.9M	$10.5M	$11.3M	$8.8M	33%
Branch Count	17 0 YoY 0 QoQ	-3	20	15	18	57%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.8%	1.4%	1.0%	18%
Allowance Coverage	5.80x +4.3% YoY -6.5% QoQ	-12.91x	18.71x	17.11x	20.23x	81%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.3%	0.2%	40%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	6.6% +2.6pp YoY -0.7pp QoQ	-6.0pp	12.6%	8.2%	11.6%	14%
Cost of Funds (YTD)	0.7% -0.4pp YoY 0.0pp QoQ	-1.2pp	1.9%	1.9%	1.7%	2%
Net Income ($, YTD)	$6.1M +85.6% YoY — QoQ	-$13.1M	$19.2M	$28.5M	$40.4M	17%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#63 of 221 • Top 28.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.17%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk

#12 of 222 • Bottom 5.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.29%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Efficiency Drag

risk

#41 of 60 • Bottom 66.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.23%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 40.18%

Peer Median: 21.27%

#38 of 885 Top 4.2% in $1B-$10B

151

Nonperforming Asset Ratio

credit_quality

Value: 0.11%

Peer Median: 0.67%

#151 of 885 Top 16.9% in $1B-$10B

168

Delinquency Rate

credit_quality

Value: 0.17%

Peer Median: 0.87%

#168 of 882 Top 18.9% in $1B-$10B

Top Weaknesses (3 metrics)

833

Efficiency Ratio

profitability

Value: 81.23%

Peer Median: 59.73%

#833 of 885 Bottom 6.0% in $1B-$10B

801

Return on Assets

profitability

Value: 0.60%

Peer Median: 1.39%

#801 of 885 Bottom 9.6% in $1B-$10B

688

Tier 1 Capital Ratio

capital

Value: 11.29%

Peer Median: 14.84%

#688 of 885 Bottom 22.4% in $1B-$10B