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Bank · Santa Barbara, CA

Montecito Bank and Trust: SBA lending profile

SBA 7(a) loans, October 2021 to June 30, 2026 · Updated October 16, 2026 · Lender website
13
SBA loans approved
$2.0M
Total approved
$100,000
Median loan
1
States lent in
8%
To startups
#1065
National rank by loans

Montecito Bank and Trust approved 13 SBA loans worth $2.0M between October 2021 and June 2026, ranking #1065 of 2,283 SBA lenders nationally by loan count. Its median loan was $100,000, and 8% went to startups or businesses under two years old. It lent in 1 states, most often in California, and its most financed industry was construction.

SBA loans per fiscal year

0257FY14FY15: 1 loansFY15FY16FY17FY18: 1 loansFY18FY19: 4 loansFY19FY20FY21FY22: 2 loansFY22FY23: 6 loansFY236FY24: 2 loansFY24FY25: 3 loansFY253
Fiscal year runs October to September. Fiscal 2026 covers October 2025 to June 2026 only.

Where Montecito Bank and Trust lends

StateLoansApprovedMedian loanRank in state
California13$2.0M$100,000#159

Industries Montecito Bank and Trust finances

IndustryLoansShareMedian loan
Construction7
54%
$75,000
Wholesale trade2
15%
$375,000
Arts, entertainment and recreation1
8%
$275,000
Professional and technical services1
8%
$430,000
Retail1
8%
$50,000
Transportation and warehousing1
8%
$23,000
Loan size mix
  • Under $150,00069%
  • $150,000 to $500,00023%
  • $500,000 to $2 million8%
  • $2 million and up0%
Loan programs used
  • SBA Express85%
  • Standard 7(a)8%
  • Preferred Lender (PLP)8%
Data from the U.S. Small Business Administration's public 7(a) and 504 loan records (through June 30, 2026) and FDIC call-report data (quarter ending June 30, 2026). US Lender Metrics is not affiliated with the SBA, FDIC, FFIEC, NCUA or any lender, is not a lender or loan broker, and does not make credit decisions. Information only; not financial, legal or lending advice. © 2026 US Lender Metrics.