Listed locations
15
Institution profile
Montecito Bank & Trust
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Montecito Bank & Trust
- Display name
- Montecito Bank & Trust
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- March 17, 1975
- Established date
- March 17, 1975
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Santa Barbara, CA, 93101, United States
- Website
- https://www.montecito.bank
- FDIC certificate number
- 21956
- Federal Reserve RSSD ID
- 514066
- Domestic location count
- 17
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 21956
- Federal Reserve RSSD ID
- 514066
- LEI
- 549300A7BPOO2YO2YE30
- Headquarters
- 1000 State Street, Santa Barbara, CA, 93101, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 15 of 15 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| CAMARILLO BRANCH | 770 Paseo Camarillo Suite 120 | Camarillo | CA | 93010 |
| CARPINTERIA BRANCH | 1023 Casitas Pass Road | Carpinteria | CA | 93013 |
| GOLETA BRANCH | 5658 Calle Real | Goleta | CA | 93117 |
| HOLLISTER BRANCH | 6900 Hollister Avenue | Goleta | CA | 93117 |
| CASA DORINDA BRANCH | 300 Hot Springs Road | Montecito | CA | 93108 |
| OXNARD BRANCH | 300 W. Esplanade Drive | Oxnard | CA | 93036 |
| LA CUMBRE BRANCH | 3802 State Street | Santa Barbara | CA | 93105 |
| MARAVILLA BRANCH | 5486 Calle Real | Santa Barbara | CA | 93111 |
| MESA BRANCH | 2034 Cliff Drive | Santa Barbara | CA | 93109 |
| MONTECITO BRANCH | 1106 Coast Village Road, Suite E | Santa Barbara | CA | 93108 |
| SAMARKAND BRANCH | 2550 Treasure Drive | Santa Barbara | CA | 93105 |
| SANTA MARIA | 2125 South Broadway Suite 101 A | Santa Maria | CA | 93454 |
| SOLVANG BRANCH | 591 Alamo Pintado Road | Solvang | CA | 93463 |
| VENTURA BRANCH | 4730 Telephone Road | Ventura | CA | 93003 |
| WESTLAKE BRANCH | 101 N. Westlake Blvd, Suite 110 | Westlake Village | CA | 91362 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Outstanding
- Exam date
- January 1, 2024
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| January 1, 2024 | Outstanding | FDIC | Large Bank Exam |
| January 1, 2021 | Outstanding | FDIC | Large Bank Exam |
| December 1, 2017 | Outstanding | FDIC | Intermediate Small Bank |
| November 1, 2014 | Outstanding | FDIC | Intermediate Small Bank |
| October 1, 2011 | Satisfactory | FDIC | Intermediate Small Bank |
| December 5, 2008 | Satisfactory | FDIC | Intermediate Small Bank |
| May 1, 2005 | Satisfactory | FDIC | Large Bank Exam |
| May 1, 2002 | Satisfactory | FDIC | Large Bank Exam |
| February 1, 2000 | Satisfactory | FDIC | Small Bank |
| May 1, 1997 | Satisfactory | FDIC | Small Bank |
| November 1, 1994 | Satisfactory | FDIC | Not Reported |
| July 1, 1992 | Satisfactory | FDIC | Not Reported |
Institutional history
1 FFIEC NIC history event
Showing 1 of 1 history events
| Event date | Event type | Related institution |
|---|---|---|
| October 1, 2001 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
2 FFIEC NIC relationship records
Showing 1 through 2 of 2 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | MOUNTAIN FINANCIAL CORPORATION | Domestic Entity Other | Santa Barbara, CA |
| ROOT_INSTITUTION | MONTECITO BANK & TRUST | Non-member Bank | Santa Barbara, CA |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank