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Original filing (PDF)20251008193429NAL0014118034001
MONTECITO BANK AND TRUST
Form 5500
FILING_RECEIVED
MB&T SALARY SAVING PLAN
401(k) retirement plan
Active participants
273
Accounts w/ balance
330
Plan assets (EOY)
$45.9M
Net assets (EOY)
$45.9M
How this plan invests
This plan
4 pooled trusts
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MONTECITO BANK AND TRUST.
Plan sponsor
Name
MONTECITO BANK AND TRUST
EIN
95-2900153
Address
1010 STATE STREET · SANTA BARBARA, CA · 93101
Phone
(805) 564-7353
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-08
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
2R · Participant-directed brokerage (SDBA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
MCGOWAN GUNTERMANN
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $66K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPFINANCIAL PARTNERS LLC DBA CAPTR | — | RALEIGH, NC | INVESTMENT ADVISOR | $82K | — |
Investments
30 direct securities · 4 pooled funds· $48.8M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$45.8M
30 holdings
Common Collective Trust
$3.0M
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VANGUARD TARGET RETIREMENT 2025 - | — | — | — | $6.7M | 14.6% | |
| VANGUARD TARGET RETIREMENT 2045 - | — | — | — | $5.7M | 12.5% | |
| VANGUARD TARGET RETIREMENT 2040 - | — | — | — | $4.4M | 9.6% | |
| FIDELITY 500 INDEX - | — | — | — | $3.6M | 7.8% | |
| VANGUARD TARGET RETIREMENT 2030 - | — | — | — | $3.1M | 6.7% | |
| PUTNAM INVESTMENTS STABLE FUND, AT CONTRACT VALUE - | — | — | — | $3.0M | 6.6% | |
| VANGUARD TARGET RETIREMENT 2020 - | — | — | — | $2.8M | 6.1% | |
| VANGUARD TARGET RETIREMENT 2035 - | — | — | — | $2.3M | 5.0% | |
| TD AMERITRADE SELF DIRECTED ACCOUNTS - | — | — | — | $2.1M | 4.7% | |
| PUTNAM STABLE VALUE FUND PUTNAM INVESTMENTS · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $2.0M | 4.4% | |
| JP MORGAN LARGE CAP GROWTH - | — | — | — | $2.0M | 4.3% | |
| VANGUARD TARGET RETIREMENT 2050 - | — | — | — | $1.7M | 3.6% | |
| FIDELITY US BOND INDEX - | — | — | — | $1.2M | 2.7% | |
| FIDELITY MID CAP - | — | — | — | $988K | 2.2% | |
| VANGUARD TARGET RETIREMENT 2055 - | — | — | — | $770K | 1.7% | |
| VANGUARD TARGET RETIREMENT 2060 - | — | — | — | $768K | 1.7% | |
| OUTSTANDING PARTICIPANT LOANS 5.25% to 10.50% - | — | — | — | $620K | 1.4% | |
| FIDELITY SMALL CAP - | — | — | — | $603K | 1.3% | |
| VANGUARD TARGET RETIREMENT 2070 - 780 * VANGUARD TARGET RETIREMENT INCOME - | — | — | — | $565K | 1.2% | |
| JP MORGAN EQUITY INCOME R6 - | — | — | — | $564K | 1.2% | |
| PGIM TOTAL RETURN BOND R6 - | — | — | — | $493K | 1.1% | |
| GREAT GRAY TRUST EUROPACIFIC GROWTH GREAT GRAY · EIN 38-7289843 / PN 001 | Common Collective Trust | — | — | $472K | 1.0% | |
| AMERICAN FUNDS CAPITAL WORLD GROWTH - | — | — | — | $406K | 0.9% | |
| FIDELITY INTERNATIONAL INDEX - | — | — | — | $352K | 0.8% | |
| DRIEHAUS EMERGING MARKETS GROWTH - | — | — | — | $287K | 0.6% | |
| MFS MID CAP GROWTH FUND CT GREAT GRAY · EIN 38-4126294 / PN 597 | Common Collective Trust | — | — | $284K | 0.6% | |
| MFS MID CAP VALUE FUND CT GREAT GRAY · EIN 38-4139822 / PN 616 | Common Collective Trust | — | — | $272K | 0.6% | |
| T. ROWE PRICE NEW HORIZONS - | — | — | — | $183K | 0.4% | |
| VICTORY TRIVALENT INTERNATIONAL SMALL CAP - | — | — | — | $93K | 0.2% | |
| PIMCO DIVERSIFIED INCOME - | — | — | — | $92K | 0.2% | |
| VANGUARD TARGET RETIREMENT 2065 - | — | — | — | $88K | 0.2% | |
| PRINCIPAL SMALL CAP GROWTH - | — | — | — | $72K | 0.2% | |
| ALLSPRING SPECIAL SMALL CAP VALUE R6 - | — | — | — | $70K | 0.2% | |
| PARNASSUS CORE EQUITY - | — | — | — | $34K | <0.1% |