Side-by-side · Q2 2026 data
Montecito Bank & Trust vs Beneficial State Bank
Metric by metric
| Measure | Montecito Bank & Trust | Beneficial State Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 43 |
| Capital cushion | 63 (stronger) | 62 |
| Loan quality | 94 (stronger) | 16 |
| Earnings | 44 (stronger) | 26 |
| Funding & liquidity | 54 | 56 (stronger) |
| Problem-loan coverage | 98 (stronger) | 64 |
| Peer percentile | 53rd | 3rd |
| Total assets | $2.0B | $2.0B |
| Deposits / shares | $1.7B | $1.7B |
| Capital ratio | 11.29% (stronger) | 11.22% |
| Problem loans | 0.17% (stronger) | 2.53% |
| Net charge-offs | 0.02% (stronger) | 0.75% |
| Return on assets | 0.60% (stronger) | 0.14% |
| Loans ÷ deposits | 79.4% (stronger) | 89.3% |
| Uninsured deposits | 38.6% | 28.6% (stronger) |
| Offices | 16 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.7% | — |
Montecito Bank & Trust has the higher TellerScore (69 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Montecito Bank & Trust leads on 6 and Beneficial State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.