Montecito Bank & Trust
| Weiss Ratings |
Montecito Bank & Trust
Santa Barbara, CA |
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| Rating | ||||
| Asset Quality Index | 8.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.20 | |||
| Profitability Index | 3.50 | |||
| Stability Index | 6.30 | |||
| 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 | -5.38% | |||
| 5-Year Asset Growth | 1.08% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.20% | |||
| Non-Performing Loans to Capital | 1.29% | |||
| Non-Performing Loans to Loans | 0.30% | |||
| Balance Sheet |
Montecito Bank & Trust
Santa Barbara, CA |
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| Total Assets | 2.02B | |||
| Total Deposits | 1.73B | |||
| Capital and Reserves |
Montecito Bank & Trust
Santa Barbara, CA |
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| Capital | 188.21M | |||
| Leverage Ratio | 11.29 | |||
| Loan Loss Reserves to Loans | 0.97% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Montecito Bank & Trust
Santa Barbara, CA |
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| Hot Money Ratio | 16.10% | |||
| Liquidity Ratio | 23.17% | |||
| Profitability |
Montecito Bank & Trust
Santa Barbara, CA |
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| 5-Year Return on Average Assets | 0.56% | |||
| Net Income | 6.10M | |||
| Net Interest Spread | 3.66% | |||
| Operating Profit to Average Assets | 0.80% | |||
| Overhead Efficiency Ratio | 81.23% | |||
| Return on Assets | 0.58% | |||
| Return on Equity | 6.59% | |||