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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Montecito Bank & Trust

Santa Barbara, California · $2.02B in assets · beside the 11 other California banks between $1B and $3B

The filing

9.3%
Equity / assets
11th of 12
81.2%
Efficiency
11th of 12
0.58%
ROA
10th of 12

Montecito Bank & Trust is the fifth largest of the 12 California banks nearest its size between $1B and $3B, with $2.02B in assets at 30 June 2026. Loans are 80.2% of deposits, 5th of 12 against a median of 88.6%, and equity is 9.3% of assets, 11th of 12. Loans grew +3.7% in the year, 9th of 12, and deposits fell 7.7%; the cohort's median loan growth is +4.6%.

Noncurrent loans are 0.17% of the book, 4th of 12 against a median of 0.44%; 0.08% is 30 to 89 days past due, and the allowance covers them 5.8 times. Commercial real estate is 41.0% of loans, 4th of 12 against a median of 46.1%, and 240% of capital, below the 300% screen, with construction at 7% against the 100% screen.

Return on assets is 0.58%, 10th of 12 against a median of 1.11%, on an efficiency ratio of 81.2%, 11th of 12. Five years ago it was 0.78%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 60.1% MB Malaga Bank FSB 29.0% MB Mission Bank 45.1% PB Plumas Bank 51.3% CB Commonwealth Business Bank 56.7% ED El Dorado Savings Bank FSB 58.7% FN First Northern Bank of Dixon 59.8% UM U.S. Metro Bank 60.4% OV Oak Valley Community Bank 64.0% FB FFB Bank 64.9% BS Beneficial State Bank 76.1% MB Montecito Bank & Trust 81.2% UB United Business Bank 83.3%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.6% PB Plumas Bank +48.5% BS Beneficial State Bank +15.7% FB FFB Bank +15.5% MB Mission Bank +12.9% UM U.S. Metro Bank +11.5% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% UB United Business Bank +3.7% MB Montecito Bank & Trust +3.7% MB Malaga Bank FSB +2.7% FN First Northern Bank of Dixon +2.6% ED El Dorado Savings Bank FSB -5.8%

SBA 7(a), FY2008 to FY2026

Montecito Bank & Trust is the 163rd largest 7(a) lender into California of 512, with $25M across 94 loans, 0.0% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 2 of its 4 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Santa Barbara, CA$13M10th of 1182.3%+1.5 pts
Ventura, CA$7M39th of 1590.5%+0.1 pts
San Diego, CA$5M104th of 2380.1%quiet FY2012
Los Angeles, CA$75K303rd of 3080.0%quiet FY2011
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services14$7M28.0%0.01%699th of 2,596
Construction17$6M24.8%0.02%497th of 2,063
Manufacturing14$3M12.1%0.01%909th of 2,246
Retail trade16$2M7.0%0.00%1245th of 2,589
Wholesale trade4$2M6.1%0.01%768th of 1,651
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Montecito Bank & Trust
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans MB Montecito Bank and Trust 0.0% $25M · 94 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, Montecito Bank & Trust among them; owner-occupied excluded; bold marks a screen met
Montecito Bank & TrustRankCohort median
Total CRE against capital, the 300% screen240%5th of 12261%
Construction against capital, the 100% screen7%4th of 1214%
Construction and land development, share of loans1.2%4th of 122.3%
Non-owner-occupied nonfarm nonresidential, share of loans22.3%5th of 1228.4%
Total CRE, the guidance definition, share of loans41.0%4th of 1246.1%
CRE growth over 36 months, the third prong+11.2%6th of 12+20.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
United Business Bank$2.56B0.1%83.3%0.47%0.28%1.1%95.5%12.7%
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
First Northern Bank of Dixon$1.93B1.1%59.8%0.41%0.12%1.3%65.4%11.2%
U.S. Metro Bank$1.64B1.0%60.4%1.54%0.37%1.3%95.4%9.8%
FFB Bank$1.62B1.3%64.9%3.54%0.31%1.4%90.6%11.5%
Malaga Bank FSB$1.45B1.7%29.0%0.00%0.00%0.3%131.8%16.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Montecito Bank & TrustCohort median
20212026Change20212026Change
Loans$1.30B$1.39B+7%$917M$1.38B+50%
Deposits$1.97B$1.73B-12%$1.33B$1.72B+29%
NPA / loans0.63%0.17%-0.47 pts0.30%0.44%+0.14 pts
Efficiency71.9%81.2%+9.3 pts54.1%60.1%+6.0 pts
ROA0.78%0.58%-0.20 pts1.11%1.11%-0.00 pts

This read was prepared for Montecito Bank & Trust's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Montecito Bank & Trust is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $1B to $3B
Institution www.montecito.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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