Call report 2025Q4
MONTECITO BANK & TRUST — 2025Q4
The 22 measures MONTECITO BANK & TRUST reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 2,058,386,000 | USD | evidence → |
| Total loans | 1,343,963,000 | USD | evidence → |
| Allowance for loan losses | 13,575,000 | USD | evidence → |
| Securities available for sale | 572,135,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 1,816,276,000 | USD | evidence → |
| Interest-bearing deposits | 1,140,918,000 | USD | evidence → |
| Noninterest-bearing deposits | 675,358,000 | USD | evidence → |
| Equity capital | 182,060,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 86,773,000 | USD | evidence → |
| Interest expense | 18,838,000 | USD | evidence → |
| Net interest income | 67,935,000 | USD | evidence → |
| Noninterest income | 14,011,000 | USD | evidence → |
| Noninterest expense | 69,429,000 | USD | evidence → |
| Provision for loan losses | 0 | USD | evidence → |
| Pretax income | 12,903,000 | USD | evidence → |
| Income tax | 3,478,000 | USD | evidence → |
| Net income | 9,425,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 231,783,000 | USD | evidence → |