Bank Index
Montecito Bank & Trust
Bank · Santa Barbara, United States · overall 4.7 / 10
How this 4.7 is built
Average of 6 scored needs: 4.7. Regulation in United States: 87/100 (World Bank governance indicators). Licence confirmed by a regulator's own list. 2 scores backed by filings or its own pages.
Montecito Bank & Trust is recorded in the global register as a bank in Santa Barbara, United States. The register shows its licence as licensed. Total assets 2.02 bn USD at 2026-06-30. It reports 17 offices. Established 1975. Collected from open registers.
- Legal name
- Montecito Bank & Trust
- Licence confirmed
- yes, on a regulator's own list
- Established
- 1975
- LEI
- 549300A7BPOO2YO2YE30
- Website
- montecito.bank
Scores, 0 to 10
6.0United States
Licensed and operating in its home country per the register entry; the depth of its offer here has not been checked yet. · source
5.0Best interest on business balances
Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source
5.0Trade, manufacturing & import-export
Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source
5.0Financial strength & stability
Financial strength placed by total assets from the public register. · source
4.5Lowest fees
The monthly fee is USD 8. Transfer and card prices were not part of this evidence, so the score speaks for the monthly fee. (Basic Business Checking) Read as: “Monthly Maintenance Fee” · source
4.5Fast digital onboarding
Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source
4.0Cross-border payments, FX and multi-currency accounts
Its own business page names SWIFT, so payments can leave the country. The score stops at 4.0 because the page did not give the currencies the account holds or the margin on the exchange rate, and the rubric needs both to go higher. · source
Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.