Side-by-side · Q2 2026 data
Montecito Bank & Trust vs Bank of the Sierra
Metric by metric
| Measure | Montecito Bank & Trust | Bank of the Sierra |
|---|---|---|
| TellerScore | 69 | 77 (stronger) |
| Capital cushion | 63 | 72 (stronger) |
| Loan quality | 94 (stronger) | 86 |
| Earnings | 44 | 73 (stronger) |
| Funding & liquidity | 54 | 63 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 53rd | 83rd |
| Total assets | $2.0B | $3.7B |
| Deposits / shares | $1.7B | $2.9B |
| Capital ratio | 11.29% | 12.25% (stronger) |
| Problem loans | 0.17% (stronger) | 0.43% |
| Net charge-offs | 0.02% | 0.02% (stronger) |
| Return on assets | 0.60% | 1.33% (stronger) |
| Loans ÷ deposits | 79.4% (stronger) | 82.9% |
| Uninsured deposits | 38.6% | 27.9% (stronger) |
| Offices | 16 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.7% | — |
Bank of the Sierra has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Montecito Bank & Trust leads on 2 and Bank of the Sierra on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.