Compared with California
7 of 15
compared fees are above the median.
7 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
42nd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the California median
of 15 compared; 7 below, 1 about the same
See the feesFee 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 | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the California median | Published fees above the California 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 charges were 1.9% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (42nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
7 of 15 compared published fees sit above the California median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Compared at $8, the middle of its prices
Overdraft (OD)
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. Its share of revenue, 1.9%, is below the 2.2% median for banks with $1B to $10B in assets.
$408K
Montecito Bank & TrustMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $25; we compare the midpoint.
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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Montecito Bank & Trust left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Montecito Bank & Trust by share.
Amounts from Montecito Bank & Trust’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Cashback Checking Monthly Maintenance Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Everyday Checking Monthly Maintenance Fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance Fee (audience not stated, treated as personal) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly maintenance fee (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee (if balance falls below $100) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Check Imaging on Paper Statements | $2.50Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Paid Fee | $34Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Item Fee (Business Accounts Only) | $9 | per item | None |
| Returned Item Fee (Check & ACH) | $10Below the U.S. middle 50% ($25 to $32 nationally) | per item | 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.
Where Montecito Bank & Trust operates, and what regulators and customers have on file.
Branch footprint
16 offices in 1 state, $1.7B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 12 | $1.5B | |
| 4 | $258.8M |
Santa Maria-Santa Barbara, CA
10.4% of bank deposits, #5 of 20, up 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 18.2% |
| Wells Fargo Bank, National Association | 15.8% |
| Bank of America, National Association | 15.2% |
| U.S. Bank National Association | 11.4% |
| Mechanics Bank | 7.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Santa Maria-Santa Barbara, CA, Montecito Bank & Trust holds 10.4% of bank deposits, #5 of 20, with 12 offices.
101 offices of 28 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 20 institutions shown. $14.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 10.4% share, 12 offices, #5 of 20
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
15 offices of 8 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts