Skip to main content
Community

Community Focused

When you do business with a community bank, you're supporting your local communities.

The CEO of Montecito Bank & Trust gives a speech to an audience of people sitting around large tables during an event.

We can do more, together!

The impacts can be seen in the school around the corner, the theater downtown, the hospital up the road and the many friendly faces you pass by each day in your community. Our ability to continue investing in and giving back to the communities we serve is made possible by our loyal customers who trust us to manage their financial needs day after day, year after year. Thank you for supporting our mission to make the communities we serve better places to live and work.

Community Reinvestment

Over $1.4 Million donated.

Over 5,000 hours volunteered.

$41 million to support local community development projects.

Making a difference in our local communities, is a responsibility we take seriously at Montecito Bank & Trust.

We do this by reinvesting the deposits we gather back into the community through loans and corporate philanthropy, ensuring that the money that banks with us stays here in our communities.  

Whether to help businesses grow, enable nonprofit organizations to thrive or to support paths to home ownership for residents, when you bank with us, you’re helping to make a difference too. 

And our investment in our communities goes beyond dollars and cents, our associates also dedicate their time and talent to volunteering with local schools and nonprofits, serving on boards or teaching classes that help empower and develop those who call the Central Coast home. 

For 50 years we have invested in the Central Coast, because we believe that behind every great community is a great bank.

Montecito Bank & Trust. We can do more together.

343

Nonprofits Served in 2024

50

Years of Giving Back

$1.6M

Donated in 2024


Community Giving

Our goal is simple - to help our communities thrive.

Two bank associates hold a large check with a million-dollar amount that is addressed to local nonprofits.

Community Dividends®

This tradition began in 2003 when our late founder, Michael Towbes, invited 100 nonprofits to lunch and surprised each of them with a $10,000 check. We have carried that tradition forward each year since, giving away $1 million every November to hundreds of nonprofits across the Central Coast.

A bank employee gives a speech at a podium to discuss a local nonprofit voted to receive a grant.

Anniversary Grants®

Anniversary Grants program was created to broaden our bank's commitment to the communities we serve and to ensure each of the bank's associates has a direct voice in the direction of our corporate giving. And for over 30 years, our associates have jumped at the chance to show their support for the organizations that mean so much to them.

11

Schools Participating

2040

Students & Adults

270+

Hours in Classroom


Community Education

Our programs improve financial awareness and security among children and adults.

A bank employee points to call on a young student while teaching a class.

Financial Literacy

Smart saving, responsible spending and using credit wisely are important conversations to help children and adults prepare for their financial futures and make smart choices along the way, and we love teaching in the communities!

A bank employee gives a lecture to a group of elder adults sitting around large dinner tables.

Cyber Security and Elder Fraud Protection

Awareness is a key prevention measure, and our in-house experts are eager to keep our communities safe. 

7900+

Hours in 2024

206

Nonprofits Served

127

Associates Volunteered


Community Volunteering

Our associates share their time, treasure, and talent to make a meaningful impact in their communities.

4 Montecito Bank and Trust employees volunteering.

Volunteer

MB&T associates can be seen throughout the communities we serve, volunteering for a wide range of nonprofits in Santa Barbara and Ventura counties. Whether it's assisting with auction checkouts at fundraisers, helping clean local beaches, or lending financial expertise on nonprofit boards, our associates generously dedicate their time and talents year-round.

A diagram of a check icon and a person figure with the Montecito Bank & Trust logo both pointing to an icon showing a helping hand shaped in a heart.

Associate Matching Grants

MB&T supports the causes our associates care about through our unique Associate Matching Grants program. Since the program's inception in 2020, the Bank has matched over $75,000 in donations and/or volunteer hours - reinforcing our dedication to both our associates and the communities they support.