Montecito Bank & Trust quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.0B | $1.8B | $1.4B | $185M | $3M | 0.65% | 7.27% | 3.92% | 0.16% |
| Q4 2025 | $2.1B | $1.8B | $1.3B | $182M | $3M | 0.45% | 5.53% | 3.49% | 0.23% |
| Q3 2025 | $2.1B | $1.9B | $1.3B | $178M | $3M | 0.42% | 5.33% | 3.40% | 0.24% |
| Q2 2025 | $2.1B | $1.9B | $1.3B | $169M | $2M | 0.31% | 4.01% | 3.28% | 0.19% |
| Q1 2025 | $2.1B | $1.8B | $1.3B | $165M | $1M | 0.23% | 3.04% | 3.18% | 0.20% |
| Q4 2024 | $2.1B | $1.8B | $1.3B | $157M | $724K | 0.29% | 4.00% | 3.23% | 0.27% |
| Q3 2024 | $2.1B | $1.8B | $1.3B | $169M | $2M | 0.34% | 4.73% | 3.24% | 0.29% |
| Q2 2024 | $2.1B | $1.8B | $1.3B | $150M | $1M | 0.30% | 4.25% | 3.26% | 0.30% |
| Q1 2024 | $2.1B | $1.8B | $1.2B | $149M | $2M | 0.32% | 4.63% | 3.30% | 0.33% |
| Q4 2023 | $2.1B | $1.8B | $1.2B | $148M | $2M | 0.57% | 9.10% | 3.55% | 0.25% |
| Q3 2023 | $2.1B | $1.9B | $1.2B | $124M | $3M | 0.64% | 10.46% | 3.61% | 0.28% |
| Q2 2023 | $2.1B | $1.9B | $1.2B | $136M | $3M | 0.72% | 11.61% | 3.68% | 0.29% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.