Santa Barbara Bank & Trust, National Association

Headquarters

20 East Carrillo Street
Santa Barbara, CA 93101
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Santa Barbara Bank & Trust, National Association is an FDIC insured institution located in Santa Barbara, CA. It was founded in 1960 and has approximately $5.99 billion in assets.

FDIC Insured Yes
FDIC Certificate # 18169
Date Established 1960
Assets $ 5.99 billion
Loans $ 3.75 billion
Deposits $ 4.72 billion
Capital $ 839.47 million
 

For a more detailed analysis of Santa Barbara Bank & Trust, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Santa Barbara Bank & Trust, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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Payment
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First Internet Bank
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2.566% 2.500% 0.88 $2,172 $988 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.570% 2.500% 0.88 $2,312 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
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2.240 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
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Note to Santa Barbara Bank & Trust, National Association
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Branches

Santa Barbara Bank & Trust, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Santa Barbara Bank & Trust, National Association Locations


Financial Details

Santa Barbara Bank & Trust, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Santa Barbara Bank & Trust, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Santa Barbara Bank & Trust, National Association U.S. Bank Average
10.42% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Santa Barbara Bank & Trust, National Association had $57,914,000 in non-current loans and $30,319,000 in owned real estate. To cover these potential losses it had $839,469,000 in equity and $7,168,000 in loans loss reserves. That gives it a Texas Ratio of 10.42%.

Return on Equity
Santa Barbara Bank & Trust, National Association U.S. Bank Average
13.1% 7.80%

Santa Barbara Bank & Trust, National Association has a Return on Equity of 13.1% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Santa Barbara Bank & Trust, National Association U.S. Bank Average
14.02% 12.68%

Santa Barbara Bank & Trust, National Association has a Capitalization of 14.02% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Santa Barbara Bank & Trust, National Association Balance Sheet Analysis

As of September 30, 2012, Santa Barbara Bank & Trust, National Association had assets of $5,989,186,000, loans of $3,754,801,000, and deposits of $4,721,155,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.75 billion
Loan loss allowance $ 7.17 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 30.32 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 4.72 billion
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 5.99 billion

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Santa Barbara Bank & Trust, National Association’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in California, Santa Barbara Bank & Trust, National Association has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 38.59
Multifamily
Mortgages
14.47
Credit Card Loans 0.00
Consumer Auto Loans 0.08
Small Business Loans 7.48
Construction and Development Loans 0.90
Commercial Real Estate 38.81
Commercial and Industrial Loans 4.21
Farm Loans 0.17

Frequently Asked Questions About Santa Barbara Bank & Trust, National Association

Branches and Savings

Is Santa Barbara Bank & Trust, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #18169.

Why does Santa Barbara Bank & Trust, National Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Santa Barbara Bank & Trust, National Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Santa Barbara Bank & Trust, National Association a commercial bank?

Yes

Where are Santa Barbara Bank & Trust, National Association locations?

See branch locations nearby.

Is Santa Barbara Bank & Trust, National Association open on Saturdays?

Is Santa Barbara Bank & Trust, National Association open on Sundays?

What time does Santa Barbara Bank & Trust, National Association open?

What time does Santa Barbara Bank & Trust, National Association close?

Are Santa Barbara Bank & Trust, National Association ATMs Open 24/7?

Do Santa Barbara Bank & Trust, National Association ATMs accept cash deposits?

Can Santa Barbara Bank & Trust, National Association customers use other ATMs?

Do Santa Barbara Bank & Trust, National Association branches have notaries?

Will Santa Barbara Bank & Trust, National Association notarize my document?

What address for Santa Barbara Bank & Trust, National Association should I put for incoming ACH transfers?

Will the Santa Barbara Bank & Trust, National Association branch print checks?

Do Santa Barbara Bank & Trust, National Association checks expire?

Does Santa Barbara Bank & Trust, National Association require US citizenship to open account?

Can Santa Barbara Bank & Trust, National Association close my account?

Does Santa Barbara Bank & Trust, National Association Report to credit bureaus?

Does Santa Barbara Bank & Trust, National Association Use Equifax?

What is Santa Barbara Bank & Trust, National Association's ACH Routing Number?

What is Santa Barbara Bank & Trust, National Association's SWIFT code?

Products

Does Santa Barbara Bank & Trust, National Association offer mortgages?

Compare mortgage rates here.

Does Santa Barbara Bank & Trust, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Santa Barbara Bank & Trust, National Association offer personal loans?

Compare personal loan rates here.

Does Santa Barbara Bank & Trust, National Association offer student loans?

Will Santa Barbara Bank & Trust, National Association cash a check?

Will Santa Barbara Bank & Trust, National Association redeem a savings bond?

Does Santa Barbara Bank & Trust, National Association cash savings bonds?

Will Santa Barbara Bank & Trust, National Association cash money orders?

Can Santa Barbara Bank & Trust, National Association issue a money order?

Does Santa Barbara Bank & Trust, National Association do currency exchange?

Background on The Bank

Who owns Santa Barbara Bank & Trust, National Association?

How long has Santa Barbara Bank & Trust, National Association been around?

Can Santa Barbara Bank & Trust, National Association transfer to other banks?

Does Santa Barbara Bank & Trust, National Association have quick pay?

Does Santa Barbara Bank & Trust, National Association accept rolled coins?

Will Santa Barbara Bank & Trust, National Association accept loose change?

Where is Santa Barbara Bank & Trust, National Association headquarters?

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