Call reports 2026
MONTECITO BANK & TRUST — 2026
What MONTECITO BANK & TRUST reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 2,036,398,000 | 2,018,080,000 |
| Total loans | 1,391,665,000 | 1,387,863,000 |
| Allowance for loan losses | 13,541,000 | 13,433,000 |
| Securities available for sale | 501,663,000 | 482,232,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,793,788,000 | 1,729,975,000 |
| Interest-bearing deposits | 1,103,852,000 | 1,034,866,000 |
| Noninterest-bearing deposits | 689,936,000 | 695,109,000 |
| Equity capital | 184,903,000 | 188,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 21,858,000 | 43,347,000 |
| Interest expense | 3,279,000 | 6,552,000 |
| Net interest income | 18,579,000 | 36,795,000 |
| Noninterest income | 3,611,000 | 7,393,000 |
| Noninterest expense | 17,718,000 | 35,896,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 4,620,000 | 8,440,000 |
| Income tax | 1,285,000 | 2,340,000 |
| Net income | 3,335,000 | 6,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 234,817,000 | 236,998,000 |