Side-by-side · Q2 2026 data
Montecito Bank & Trust vs Commonwealth Business Bank
Metric by metric
| Measure | Montecito Bank & Trust | Commonwealth Business Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 64 |
| Capital cushion | 63 | 89 (stronger) |
| Loan quality | 94 (stronger) | 37 |
| Earnings | 44 | 64 (stronger) |
| Funding & liquidity | 54 (stronger) | 45 |
| Problem-loan coverage | 98 (stronger) | 80 |
| Peer percentile | 53rd | 33rd |
| Total assets | $2.0B | $2.0B |
| Deposits / shares | $1.7B | $1.7B |
| Capital ratio | 11.29% | 13.93% (stronger) |
| Problem loans | 0.17% (stronger) | 1.88% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 0.60% | 1.09% (stronger) |
| Loans ÷ deposits | 79.4% (stronger) | 90.5% |
| Uninsured deposits | 38.6% | 37.7% (stronger) |
| Offices | 16 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.7% | — |
Montecito Bank & Trust has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Montecito Bank & Trust leads on 3 and Commonwealth Business Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.