BlastPoint's Banking Scorecard
Montecito Bank & Trust
Community
Specialty: Commercial
CA
FDIC cert 21956
Santa Barbara, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Montecito Bank & Trust has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.14% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 5% in Community
- - Efficiency Drag: Bottom 51% in Community
- - Return on Assets 0.72% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
-2.5% YoY
-1.5% QoQ
|
+$666.9M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.3B
+4.4% YoY
-0.0% QoQ
|
+$354.9M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$1.8B
+0.3% YoY
-3.0% QoQ
|
+$651.7M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.45%
+53.2% YoY
+6.3% QoQ
|
-0.72% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.49%
+7.9% YoY
+2.5% QoQ
|
-0.18% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
84.73%
-5.5% YoY
-0.9% QoQ
|
+22.09% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.23%
-15.8% YoY
-2.2% QoQ
|
-0.40% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
73.25%
+4.1% YoY
+3.0% QoQ
|
-9.81% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
37.18%
+3.4% YoY
+1.3% QoQ
|
+16.14% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-9.8% YoY
-0.8% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.68%
+7.2% YoY
+37.3% QoQ
|
-0.06% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Community
Why this stands out
Current:
37.18%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (3)
Capital Thin
risk
#23 of 432 · Bottom 5% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#78 of 152 · Bottom 51% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.73%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 10%
in Community
Why this stands out
Current:
0.45%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.18% · Tier avg: 21.05%
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
80
80th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.25% · Tier avg: 83.06%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
41
41th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
10
10th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 84.73% · Tier avg: 62.63%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 84.73% · Tier avg: 62.63%
10
10th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.66%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.25% · Tier avg: 83.06%
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
80
80th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.18% · Tier avg: 21.05%