SBA lender profile
Montecito Bank & Trust
Montecito Bank & Trust appears in the public SBA loan data with 13 funded 7(a) loans totaling $2.0M, an average of $157K per loan, and an estimated 136 jobs supported. Its SBA lending concentrates in California and the Wholesale Trade sector. Across all of its loans in the data, its charge-off rate is 7.7%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
13
Total volume
$2.0M
Average loan size
$157K
Charge-off rate
7.7%
Share of funded loans charged off
Jobs supported (reported)
136
Programs
7(a)
Bank profile
via FDIC- Total assets
- $2.0B
- Headquarters
- Santa Barbara, CA
- FDIC cert
- #21956
- Status
- Active
Where Montecito Bank & Trust lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| California | 13 | $2.0M |
What Montecito Bank & Trust funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Wholesale Trade | 2 | $750K |
| Construction | 7 | $510K |
| Professional and Technical Services | 1 | $430K |
| Arts, Entertainment, Recreation | 1 | $275K |
| Retail Trade | 1 | $50K |
| Transportation and Warehousing | 1 | $23K |
Montecito Bank & Trust SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2022 | 2 | $85K |
| 2023 | 6 | $448K |
| 2024 | 2 | $1.0M |
| 2025 | 3 | $475K |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Montecito Bank & Trust's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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