Community Reinvestment Act (CRA) Public File

The Community Reinvestment Act (CRA) requires depository institutions to maintain a Public File which reflects a bank's record of helping to meet the needs of its entire community through its lending and community development activities. Montecito Bank & Trust's CRA Public File is available below and may be downloaded and printed. The contents are current as of April 1 of each year and may be updated periodically. Printed copies are available upon request.

The contents of the CRA Public File are as follows:

  1. CRA Public Performance Evaluation which reflects the Bank's record of helping to meet the credit needs of its entire community.

  2. Branch Locations & Hours of Operation and Other Offices

  3. List of Services Offered including loan and deposit products and Schedule of Fees & Charges

  4. Map of Assessment Areas and Census Tracts (Santa Barbara County; Ventura County)

  5. Branches Opened or Closed

  6. CRA Disclosure Statements (Most Recent Year and Year Prior to Most Recent Year).

  7. Home Mortgage Disclosure Act (HMDA) Notice

  8. Written Comments About Community Reinvestment Act Performance

Questions or comments regarding this information, our CRA performance, or to request a printed copy of our CRA Public File, may be submitted via one of the following options:

Mail Address
Montecito Bank & Trust
Risk & Compliance Department – CRA
P.O. Box 2460
Santa Barbara, CA 93120

(805) 963-7511 or toll free at (800) 348-0146