The Bank of Santa Barbara

12 East Figueroa Street
Santa Barbara, CA 93101

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58098
Date Established 2005
Assets $0.18 billion
Loans $0.13 billion
Deposits $0.15 billion
Capital $0.02 billion

The Bank of Santa Barbara is an FDIC insured institution located in Santa Barbara, CA. It was founded in 2005 and has approximately $0.18 billion in assets.

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

Bank Loan Profile?

The top three loan types in The Bank of Santa Barbara’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks, The Bank of Santa Barbara’s loan portfolio does not show any specific loan specialty.

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 8.67
Multifamily
Mortgages
4.34
Credit Card Loans 0.00
Consumer Auto Loans 0.28
Small Business Loans 17.69
Construction and Development Loans 4.62
Commercial Real Estate 64.97
Commercial and Industrial Loans 16.93
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for The Bank Of Santa Barbara, but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Bank of Santa Barbara

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to The Bank of Santa Barbara
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Branches

The Bank of Santa Barbara 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:
Ashburn,Virginia


The Bank Of Santa Barbara Locations

Financial Details

The Bank of Santa Barbara Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Bank of Santa Barbara. 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
The Bank of Santa Barbara U.S. Bank Average
0.87% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, The Bank of Santa Barbara had $160,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,559,000 in equity and $1,760,000 in loans loss reserves. That gives it a Texas Ratio of 0.87%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
The Bank of Santa Barbara U.S. Bank Average
13.74% 8.58

The Bank of Santa Barbara has a Return on Equity of 13.74% versus the BestCashCow average of 8.58. 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
The Bank of Santa Barbara U.S. Bank Average
9.12% 12.11

The Bank of Santa Barbara has a Capitalization of 9.12% versus the BestCashCow average of 12.11. 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.

The Bank of Santa Barbara Balance Sheet Analysis

As of March 31, 2015, The Bank of Santa Barbara had assets of $177,345,000, loans of $125,022,000, and deposits of $149,974,000. 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.

Frequently Asked Questions About The Bank of Santa Barbara

Branches and Savings

Is The Bank of Santa Barbara FDIC insured?

Yes. It is covered under FDIC Certificate #58098.

Why does The Bank of Santa Barbara pay such low interest on savings accounts?

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

Why are The Bank of Santa Barbara CD rates not competitive?

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

Is The Bank of Santa Barbara a commercial bank?

Yes

Where are The Bank of Santa Barbara locations?

See branch locations nearby.

Is The Bank of Santa Barbara open on Saturdays?

Is The Bank of Santa Barbara open on Sundays?

What time does The Bank of Santa Barbara open?

What time does The Bank of Santa Barbara close?

Are The Bank of Santa Barbara ATMs Open 24/7?

Do The Bank of Santa Barbara ATMs accept cash deposits?

Can The Bank of Santa Barbara customers use other ATMs?

Do The Bank of Santa Barbara branches have notaries?

Will The Bank of Santa Barbara notarize my document?

What address for The Bank of Santa Barbara should I put for incoming ACH transfers?

Will the The Bank of Santa Barbara branch print checks?

Do The Bank of Santa Barbara checks expire?

Does The Bank of Santa Barbara require US citizenship to open account?

Can The Bank of Santa Barbara close my account?

Does The Bank of Santa Barbara Report to credit bureaus?

Does The Bank of Santa Barbara Use Equifax?

What is The Bank of Santa Barbara's ACH Routing Number?

What is The Bank of Santa Barbara's SWIFT code?

Products

Does The Bank of Santa Barbara offer mortgages?

Compare mortgage rates here.

Does The Bank of Santa Barbara offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Bank of Santa Barbara offer personal loans?

Compare personal loan rates here.

Does The Bank of Santa Barbara offer student loans?

Will The Bank of Santa Barbara cash a check?

Will The Bank of Santa Barbara redeem a savings bond?

Does The Bank of Santa Barbara cash savings bonds?

Will The Bank of Santa Barbara cash money orders?

Can The Bank of Santa Barbara issue a money order?

Does The Bank of Santa Barbara do currency exchange?

Background on The Bank

Who owns The Bank of Santa Barbara?

How long has The Bank of Santa Barbara been around?

Can The Bank of Santa Barbara transfer to other banks?

Does The Bank of Santa Barbara have quick pay?

Does The Bank of Santa Barbara accept rolled coins?

Will The Bank of Santa Barbara accept loose change?

Where is The Bank of Santa Barbara headquarters?

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