Side-by-side · Q2 2026 data
Montecito Bank & Trust vs Plumas Bank
Metric by metric
| Measure | Montecito Bank & Trust | Plumas Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 67 |
| Capital cushion | 63 | 68 (stronger) |
| Loan quality | 94 (stronger) | 48 |
| Earnings | 44 | 92 (stronger) |
| Funding & liquidity | 54 (stronger) | 50 |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 53rd | 44th |
| Total assets | $2.0B | $2.3B |
| Deposits / shares | $1.7B | $1.9B |
| Capital ratio | 11.29% | 11.77% (stronger) |
| Problem loans | 0.17% (stronger) | 1.55% |
| Net charge-offs | 0.02% (stronger) | 0.06% |
| Return on assets | 0.60% | 1.80% (stronger) |
| Loans ÷ deposits | 79.4% | 79.1% (stronger) |
| Uninsured deposits | 38.6% (stronger) | 42.9% |
| Offices | 16 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.7% | — |
Montecito Bank & Trust has the higher TellerScore (69 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Montecito Bank & Trust leads on 4 and Plumas Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.