Montecito Bank & Trust
| Weiss Ratings |
Montecito Bank & Trust
Santa Barbara, CA |
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| Rating | ||||
| Asset Quality Index | 8.50 | |||
| Capitalization Index | 9.60 | |||
| Liquidity Index | 3.50 | |||
| Profitability Index | 3.10 | |||
| Stability Index | 6.20 | |||
| Company Info |
Montecito Bank & Trust
Santa Barbara, CA |
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| FDIC Number | 21956 | |||
| Phone Number | (805) 564-0256 | |||
| Website | www.montecito.bank | |||
| Asset Quality |
Montecito Bank & Trust
Santa Barbara, CA |
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| 1-Year Asset Growth | -2.49% | |||
| 5-Year Asset Growth | 1.08% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.06% | |||
| Non-Performing Assets to Assets | 0.24% | |||
| Non-Performing Loans to Capital | 1.64% | |||
| Non-Performing Loans to Loans | 0.37% | |||
| Balance Sheet |
Montecito Bank & Trust
Santa Barbara, CA |
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| Total Assets | 2.06B | |||
| Total Deposits | 1.82B | |||
| Capital and Reserves |
Montecito Bank & Trust
Santa Barbara, CA |
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| Capital | 182.06M | |||
| Leverage Ratio | 10.74 | |||
| Loan Loss Reserves to Loans | 1.01% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Montecito Bank & Trust
Santa Barbara, CA |
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| Hot Money Ratio | 17.87% | |||
| Liquidity Ratio | 26.84% | |||
| Profitability |
Montecito Bank & Trust
Santa Barbara, CA |
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| 5-Year Return on Average Assets | 0.61% | |||
| Net Income | 9.43M | |||
| Net Interest Spread | 3.31% | |||
| Operating Profit to Average Assets | 0.59% | |||
| Overhead Efficiency Ratio | 84.73% | |||
| Return on Assets | 0.43% | |||
| Return on Equity | 5.52% | |||