Side-by-side · Q2 2026 data
Montecito Bank & Trust vs Community Bank of Santa Maria
Metric by metric
| Measure | Montecito Bank & Trust | Community Bank of Santa Maria |
|---|---|---|
| TellerScore | 69 | 72 (stronger) |
| Capital cushion | 63 (stronger) | 55 |
| Loan quality | 94 | 95 (stronger) |
| Earnings | 44 | 63 (stronger) |
| Funding & liquidity | 54 | 63 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 53rd | 50th |
| Total assets | $2.0B | $396.5M |
| Deposits / shares | $1.7B | $350.4M |
| Capital ratio | 11.29% (stronger) | 10.49% |
| Problem loans | 0.17% | 0.15% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 0.60% | 1.07% (stronger) |
| Loans ÷ deposits | 79.4% (stronger) | 83.5% |
| Uninsured deposits | 38.6% | 27.0% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.7% | — |
Community Bank of Santa Maria has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Montecito Bank & Trust leads on 2 and Community Bank of Santa Maria on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.