SBA lender profile
Montecito Bank & Trust
Montecito Bank & Trust appears in the public SBA loan data with 68 funded 7(a) loans since FY2010, totaling $20.2M, an average of $296K per loan, and an estimated 1,083 jobs supported. Its SBA lending concentrates in California and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 1.5%. 38.2% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 77
- Scale 36
- Activity 32
- Consistency 58
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Montecito Bank & Trust the right lender for you?
Lenders fund what they know. Montecito Bank & Trust's SBA lending concentrates in California (68 loans) and Accommodation and Food Services (12 loans), at an average loan of $296K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
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 | 68 | $20.2M |
Metro areas where Montecito Bank & Trust funds
What Montecito Bank & Trust funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 12 | $6.0M |
| Construction | 14 | $5.7M |
| Manufacturing | 13 | $2.8M |
| Wholesale Trade | 3 | $1.3M |
| Health Care and Social Assistance | 5 | $1.2M |
| Retail Trade | 9 | $985K |
Montecito Bank & Trust SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 10 | $1.4M |
| 2011 | 18 | $4.3M |
| 2012 | 14 | $6.8M |
| 2013 | 7 | $2.2M |
| 2015 | 1 | $2.9M |
| 2018 | 1 | $50K |
| 2019 | 4 | $504K |
| 2022 | 2 | $85K |
| 2023 | 6 | $448K |
| 2024 | 2 | $1.0M |
| 2025 | 3 | $475K |
Related SBA lenders
Other lenders active in California or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Montecito Bank & Trust: frequently asked questions
Does Montecito Bank & Trust offer SBA loans?
Yes. Montecito Bank & Trust appears in the public SBA data with 68 funded SBA 7(a) loans totaling $20.2M.
How many SBA loans has Montecito Bank & Trust made?
Montecito Bank & Trust is associated with 68 SBA 7(a) loans totaling $20.2M in the public SBA data (as of 2026-03-31).
What is Montecito Bank & Trust's SBA charge-off rate?
About 1.5% of Montecito Bank & Trust's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Montecito Bank & Trust do most of its SBA lending?
Montecito Bank & Trust's SBA lending in the data is most concentrated in California, and by industry in Accommodation and Food Services.
Is Montecito Bank & Trust an SBA Preferred Lender (PLP)?
The loan record shows Montecito Bank & Trust operating under PLP delegated authority: 26 of its 7(a) loans (38.2%) were processed through the Preferred Lenders Program, including 1 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Montecito Bank & Trust SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/montecito-bank-trust/
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