Side-by-side · Q2 2026 data
Montecito Bank & Trust vs Oak Valley Community Bank
Metric by metric
| Measure | Montecito Bank & Trust | Oak Valley Community Bank |
|---|---|---|
| TellerScore | 69 | 76 (stronger) |
| Capital cushion | 63 | 65 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 44 | 64 (stronger) |
| Funding & liquidity | 54 | 59 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 53rd | 80th |
| Total assets | $2.0B | $2.0B |
| Deposits / shares | $1.7B | $1.8B |
| Capital ratio | 11.29% | 11.48% (stronger) |
| Problem loans | 0.17% | 0.00% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.31% |
| Return on assets | 0.60% | 1.11% (stronger) |
| Loans ÷ deposits | 79.4% | 65.3% (stronger) |
| Uninsured deposits | 38.6% (stronger) | 46.9% |
| Offices | 16 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.7% | — |
Oak Valley Community Bank has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Montecito Bank & Trust leads on 2 and Oak Valley Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.