16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 24, 2026.
Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 24, 2026
Call-report figures are for Montecito Bank & Trust at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Montecito Bank & Trust's published fee schedule; Bank Fee Index medians | Current schedule | Oct 24, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $408K in Q2 2026, 16% above the same quarter a year earlier ($353K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $8, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 15% from Q3 2025 to Q2 2026, to $408K.
$408K
Montecito Bank & TrustMedian
FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Montecito Bank & Trust · $2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Montecito Bank & Trust(this institution) | Santa Barbara, CA | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BankWest, Inc. | Pierre, SD | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Beneficial State Bank | Oakland, CA | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blackhawk Bank & Trust | Milan, IL | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fairfield County Bank | Ridgefield, CT | $1.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Commerce Bank | Lakewood, NJ | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Fed Bank | Port Angeles, WA | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First Financial Bank | El Dorado, AR | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank | Fort Pierre, SD | $2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Northern Bank of Dixon | Dixon, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First United Bank & Trust | Oakland, MD | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Florence Bank | Florence, MA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Gateway First Bank | Jenks, OK | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| IncredibleBank | Wausau, WI | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kish Bank | Belleville, PA | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Marquette Bank | Chicago, IL | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oak Valley Community Bank | Oakdale, CA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Square Financial Services, Inc. | Salt Lake City, UT | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Starion Bank | Bismarck, ND | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Conway National Bank | Conway, SC | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Farmers & Merchants Bank | Stuttgart, AR | $2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank in Sioux Falls | Sioux Falls, SD | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Village Bank | Newton, MA | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Thomaston Savings Bank | Thomaston, CT | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Timberland Bank | Hoquiam, WA | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Tri City National Bank | Oak Creek, WI | $2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8, the middle of its seven prices, against a peer median of $7.75 among 14 publishing peers.
Its seven checking prices are $0, $8, $8, $8, $15, $15 and $25.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Montecito Bank & Trust (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $408K | +$48K | +13.3% |
| Q1 2026 | $360K | +$1K | +0.3% |
| Q4 2025 | $359K | +$3K | +0.8% |
| Q3 2025 | $356K | +$3K | +0.8% |
| Q2 2025 | $353K | +$8K | +2.3% |
| Q1 2025 | $345K | −$7K | −2.0% |
| Q4 2024 | $352K | +$18K | +5.4% |
| Q3 2024 | $334K | +$9K | +2.8% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Montecito Bank & Trust’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per month
per month
per month
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Cashback Checking Monthly Maintenance Fee | $15 | per month | None |
| Everyday Checking Monthly Maintenance Fee | $8 | per month | None |
| Maintenance Fee (audience not stated, treated as personal) | $8 | Not stated | None |
| Monthly maintenance fee (audience not stated, treated as personal) | $15 | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | $8 | per month | None |
| Monthly Maintenance Fee | $25 | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | No charge | per month | None |
| Monthly Fee (if balance falls below $100) | $3 | per month | None |
| Check Imaging on Paper Statements | $2.50 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Paid Fee | $34 | Not stated | None |
| Returned Item Fee (Check & ACH) | $10 | per item | None |
ATM & Card | |||
| Check Printing: Prices vary: ATM Fee (non-MB&T ATM surcharge) | $2.50 | per transaction | None |
| ATM or Debit Card Rush Replacement | $50Not compared: Annual charge, not per item | per year | None |
| Rush Shipping Fee | $15 | Not stated | None |
Wire Transfers | |||
| Domestic Wire Fee | $15 | per item | None |
| Individual Retirement Arrangements: Outgoing Domestic Wire Fee | $30Not compared: CD/IRA fee | Not stated | None |
| Incoming Wire Fee | $15 | Not stated | None |
| International Wire Fee | $15 | per item | None |
| Outgoing International Wire Fee | $45 | Not stated | None |
Check Services | |||
| Check Printing | $2.50 | per transaction | None |
| Temporary Checks | $1 | per item | None |
Digital & Electronic | |||
| ACH Returned Item | $5Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Night Depository Service | $50Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| Notary Public (available to MB&T customers only) | $15 | per item | None |
| Safe Deposit Box 10 x 10 x 24 (audience not stated, treated as personal) | $210 | Not stated | None |
| Safe Deposit Box 15 x 11 x 24 (audience not stated, treated as personal) | $260 | Not stated | None |
| Safe Deposit Box 15 x 15 x 24 (audience not stated, treated as personal) | $270 | Not stated | None |
| Safe Deposit Box 3 x 10 x 24 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 30 x 30 x 24 (audience not stated, treated as personal) | $510 | Not stated | None |
| Safe Deposit Box 30 x 30 x 42 (audience not stated, treated as personal) | $930 | Not stated | None |
| Safe Deposit Box 5 x 10 x 24 (audience not stated, treated as personal) | $120 | Not stated | None |
| Safe Deposit Box 5 x 5 x 24 (audience not stated, treated as personal) | $85 | Not stated | None |
| Safe Deposit Box 6 x 10 x 24 (audience not stated, treated as personal) | $125 | Not stated | None |
| Safe Deposit Box 60 x 30 x 42 (audience not stated, treated as personal) | $1,225 | Not stated | None |
| Legal Process, per service | $125 | Not stated | None |
Other Fees | |||
| Interim Statements | $5 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee (if balance falls below $100) | $3 | per month | None |
| Check Imaging on Paper Statements | $2.50 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Paid Fee | $34 | Not stated | None |
| Returned Item Fee (Business Accounts Only) | $9 | per item | None |
| Returned Item Fee (Check & ACH) | $10 | per item | None |
ATM & Card | |||
| Check Printing: Prices vary: ATM Fee (non-MB&T ATM surcharge) | $2.50 | per transaction | None |
| ATM or Debit Card Rush Replacement | $50Not compared: Annual charge, not per item | per year | None |
| Rush Shipping Fee | $15 | Not stated | None |
Wire Transfers | |||
| Domestic Wire Fee | $15 | per item | None |
| Incoming Wire Fee | $15 | Not stated | None |
| International Wire Fee | $15 | per item | None |
| Outgoing International Wire Fee | $45 | Not stated | None |
Check Services | |||
| Check Printing | $2.50 | per transaction | None |
| Temporary Checks | $1 | per item | None |
Digital & Electronic | |||
| ACH Returned Item | $5Not compared: Monthly charge, not per item | per month | None |
| Applies to originated ACH transactions that are returned. | Business Analysis Checking | $20Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Night Depository Service | $50Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| Notary Public (available to MB&T customers only) | $15 | per item | None |
| Legal Process, per service | $125 | Not stated | None |
Other Fees | |||
| Interim Statements | $5 | Not stated | None |
Oct 24, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
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