Montecito Bank & Trust
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 9, 2026), Montecito Bank & Trust reported 265 stock positions worth $627.3 million. Its top holding was iShares Russell 1000 Growth (IWF) at 5.6% of the portfolio, followed by Nvidia (NVDA, 5.2%) and Microsoft (MSFT, 3.3%). Compared with Q3 2025, it opened 6 new positions, sold out of 15, added to 63 and reduced 147. The biggest buy was Vanguard S&P 500 ETF (VOO, shares +193%) and the biggest sale Microsoft (MSFT, shares −9%).
- Most Recent 13F
- Q2 2026
- Location
- SANTA BARBARA, CA
- CIK
- 0001422508
- Portfolio Value
- $627.3M (Q4 2025)
- SEC Filing
- 0001422508-26-000001 ↗ filed Jan 9, 2026
Holdings Value
Holdings 265 stocks · $627.3M
| IWF iShares Russell 1000 Growth | 5.60% | 74,216 | $35.1M | Reduce -0.8% |
| NVDA Nvidia Corp. | 5.21% | 175,341 | $32.7M | Reduce -9.9% |
| MSFT Microsoft Corp. | 3.29% | 42,659 | $20.6M | Reduce -8.8% |
| IVV iShares Core S&P 500 ETF | 2.92% | 26,745 | $18.3M | Reduce -1.1% |
| BIV Vanguard Intermediate-Term B | 2.34% | 188,602 | $14.7M | Reduce -1.8% |
| AGG iShares Core U.S. Aggregate | 2.26% | 141,826 | $14.2M | Reduce -0.5% |
| GOOGL Alphabet Inc. Class A | 2.18% | 43,723 | $13.7M | Reduce -18.1% |
| VGSH Vanguard Short-Term Treasury | 2.16% | 230,848 | $13.6M | Add +3.3% |
| SPY SS SPDR S&P 500 ETF Trust-US | 2.14% | 19,672 | $13.4M | Reduce -1.0% |
| IJH iShares Core S&P Midcap ETF | 1.92% | 182,328 | $12.0M | Reduce -2.2% |
| IEFA iShares Core MSCI Eafe ETF | 1.88% | 132,033 | $11.8M | Reduce -1.4% |
| GOVT iShares US Treasury Bond ETF | 1.83% | 498,425 | $11.5M | Reduce -4.5% |
| QUAL iShares MSCI USA Quality Fac | 1.80% | 56,779 | $11.3M | Reduce -2.4% |
| IWD iShares Russell 1000 Value E | 1.64% | 48,839 | $10.3M | Reduce -0.7% |
| LLY Eli Lilly & Co. | 1.58% | 9,236 | $9.9M | Reduce -5.8% |
| VOO Vanguard S&P 500 ETF | 1.43% | 14,302 | $9.0M | Add +193.5% |
| JPM JPMorgan Chase & Co. | 1.35% | 26,208 | $8.4M | Reduce -8.0% |
| VIGI Vanguard Int Div App Indx FD | 1.34% | 91,712 | $8.4M | Reduce -4.0% |
| KO The Coca-Cola Co. | 1.20% | 107,406 | $7.5M | Reduce -0.7% |
| VCSH Vanguard S/T Corp. Bond ETF | 1.18% | 93,042 | $7.4M | Reduce -8.1% |
| ABBV Abbvie Inc. | 1.16% | 31,739 | $7.3M | Reduce -7.5% |
| COST Costco Wholesale Corp. | 1.15% | 8,374 | $7.2M | Reduce -9.2% |
| EFV iShares MSCI Eafe Value ETF | 1.07% | 94,039 | $6.7M | Add +1.1% |
| AVGO Broadcom Inc. | 0.98% | 17,780 | $6.2M | Reduce -20.3% |
| IJR iShares Core S&P Small-Cap E | 0.96% | 50,290 | $6.0M | Reduce -3.5% |
| TFLO iShares Treasury Floating Ra | 0.96% | 119,058 | $6.0M | Reduce -0.2% |
| NEAR iShares SH Dba ETF Usd Inc. | 0.93% | 114,244 | $5.8M | Reduce -0.9% |
| QQQ Invesco QQQ Trust Series 1 | 0.88% | 8,960 | $5.5M | Reduce -1.9% |
| IYW iShares Ustechnology ETF | 0.87% | 27,373 | $5.5M | Reduce -3.5% |
| VGIT Vanguard Intermediate-Term T | 0.84% | 88,023 | $5.3M | Add +17.8% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.83% | 72,064 | $5.2M | Reduce -1.0% |
| GOOG Alphabet Inc. Class C | 0.78% | 15,498 | $4.9M | Reduce -6.7% |
| CVX Chevron Corp. | 0.75% | 31,043 | $4.7M | Add +2.3% |
| V Visa Inc. Class A | 0.75% | 13,427 | $4.7M | Reduce -1.5% |
| ITOT iShares Core S&P Total U.S. | 0.75% | 31,628 | $4.7M | Add +0.1% |
| CWI State Street SPDR MSCI Acwi | 0.72% | 125,091 | $4.5M | Reduce -2.5% |
| USMV iShares MSCI USA Min Vol Fac | 0.70% | 46,826 | $4.4M | Reduce -8.9% |
| PG The Procter & Gamble Co. | 0.67% | 29,440 | $4.2M | Reduce -12.4% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.63% | 85,348 | $4.0M | Add +40.8% |
| IWO iShares Russell 2000 Growth | 0.61% | 11,798 | $3.8M | Reduce -1.0% |
| VYMI Vanguard Int High DVD YLD Inc. | 0.59% | 41,401 | $3.7M | Reduce -0.4% |
| JNJ Johnson & Johnson | 0.57% | 17,350 | $3.6M | Reduce -0.4% |
| VEA Vanguard Ftse Developed ETF | 0.55% | 55,288 | $3.5M | Add +6.5% |
| JPIE JPMorgan Income ETF | 0.52% | 70,473 | $3.3M | Add +18.4% |
| XOM Exxon Mobil Corp. | 0.52% | 26,903 | $3.2M | Add +0.1% |
| VYM Vanguard High DVD Yield ETF | 0.51% | 22,493 | $3.2M | Reduce -5.4% |
| IVW iShares S&P 500 Growth ETF | 0.51% | 25,789 | $3.2M | No change |
| VIG Vanguard Dividend Apprec ETF | 0.50% | 14,161 | $3.1M | Reduce -3.3% |
| TSM Taiwan Semiconductor-SP ADR | 0.49% | 10,174 | $3.1M | Reduce -0.6% |
| CSCO Cisco Systems Inc. | 0.48% | 39,451 | $3.0M | Reduce -11.4% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.47% | 9,966 | $3.0M | Reduce -0.2% |
| TT Trane Technologies PLC | 0.45% | 7,237 | $2.8M | Reduce -16.6% |
| EFA iShares MSCI Eafe ETF | 0.41% | 27,061 | $2.6M | Reduce -0.4% |
| GS Goldman Sachs Group Inc. | 0.39% | 2,817 | $2.5M | Reduce -0.4% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.39% | 21,397 | $2.4M | Reduce -16.3% |
| MA Mastercard Inc. Class A | 0.39% | 4,247 | $2.4M | Reduce -18.3% |
| META Meta Platforms Inc. Class A | 0.38% | 3,654 | $2.4M | Add +0.5% |
| STIP iShares 0-5 Year Tips Bond E | 0.38% | 23,550 | $2.4M | Reduce -4.8% |
| WMT Walmart Inc. | 0.38% | 21,488 | $2.4M | Add +2.6% |
| MRK Merck & Co. Inc. | 0.38% | 22,736 | $2.4M | Reduce -16.8% |
| VGK Vanguard Ftse Europe ETF | 0.38% | 28,296 | $2.4M | Add +6.5% |
| AMP Ameriprise Financial Inc. | 0.34% | 4,392 | $2.2M | Reduce -19.0% |
| GLD SPDR Gold Shares | 0.34% | 5,355 | $2.1M | Reduce -1.3% |
| IWM iShares Russell 2000 ETF | 0.33% | 8,528 | $2.1M | Reduce -0.6% |
| UNP Union Pacific Corp. | 0.32% | 8,624 | $2.0M | Reduce -20.8% |
| CWB SS SPDR BB Conv Sec ETF | 0.32% | 22,201 | $2.0M | Reduce -1.2% |
| IGIB iShares 5-10Y Inv Grade Corp. | 0.32% | 36,735 | $2.0M | Reduce -6.1% |
| CAT Caterpillar Inc. | 0.31% | 3,362 | $1.9M | Add +0.5% |
| XLV SS Health Care Select Sector | 0.31% | 12,362 | $1.9M | Reduce -1.8% |
| ESGU iShares ESG Aware MSCI USA | 0.30% | 12,697 | $1.9M | Reduce -2.8% |
| VEU Vanguard Ftse All-World Ex-U | 0.30% | 25,366 | $1.9M | No change |
| IWR iShares Russell Mid-Cap ETF | 0.30% | 19,277 | $1.9M | Reduce -0.2% |
| ORCL Oracle Corp. | 0.29% | 9,424 | $1.8M | Reduce -0.0% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.29% | 11,942 | $1.8M | Reduce -28.7% |
| VPL Vanguard Ftse Pacific ETF | 0.29% | 20,216 | $1.8M | Add +4.7% |
| BLK BlackRock Inc. | 0.29% | 1,689 | $1.8M | Add +3.6% |
| ECL Ecolab Inc. | 0.29% | 6,868 | $1.8M | Reduce -17.8% |
| KLAC KLA Corp. | 0.29% | 1,475 | $1.8M | Reduce -24.8% |
| CSL Carlisle Cos Inc. | 0.28% | 5,565 | $1.8M | No change |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.28% | 9,286 | $1.8M | Add +20.8% |
| ETN Eaton Corp. PLC | 0.28% | 5,497 | $1.8M | Reduce -4.3% |
| IBDR iShares Ibonds Dec 2026 Term | 0.28% | 72,241 | $1.8M | Add +12.0% |
| LOW Lowe's Cos Inc. | 0.28% | 7,243 | $1.7M | Reduce -20.9% |
| MCD McDonald's Corp. | 0.27% | 5,583 | $1.7M | Reduce -0.3% |
| TMO Thermo Fisher Scientific Inc. | 0.27% | 2,942 | $1.7M | Reduce -0.6% |
| IBTG iShares Ibonds Dec 2026 Term | 0.27% | 73,200 | $1.7M | Add +4.3% |
| XSOE Wisdmtree Emerg MKT Ex-St Ow | 0.27% | 42,745 | $1.7M | Add +0.9% |
| XLY SS Consumer Disc Select Sect | 0.26% | 13,798 | $1.6M | No change |
| GWW WW Grainger Inc. | 0.26% | 1,620 | $1.6M | Reduce -1.5% |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | 0.26% | 66,974 | $1.6M | Add +13.0% |
| SCHW Schwab (charles) Corp. | 0.26% | 16,177 | $1.6M | Reduce -0.1% |
| VNQ Vanguard Real Estate ETF | 0.26% | 18,144 | $1.6M | Reduce -2.2% |
| IBTH iShares Ibonds Dec 2027 Term | 0.25% | 69,805 | $1.6M | Add +6.5% |
| MU Micron Technology Inc. | 0.25% | 5,487 | $1.6M | Add +0.7% |
| MCK McKesson Corp. | 0.25% | 1,896 | $1.6M | Reduce -1.0% |
| BKNG Booking Holdings Inc. | 0.24% | 279 | $1.5M | Reduce -28.6% |
| PANW Palo Alto Networks Inc. | 0.23% | 7,912 | $1.5M | Reduce -2.4% |
| EMR Emerson Electric Co. | 0.23% | 10,915 | $1.4M | Reduce -0.2% |
| PEP Pepsico Inc. | 0.23% | 9,902 | $1.4M | Reduce -0.8% |
| ITW Illinois Tool Works | 0.22% | 5,666 | $1.4M | Reduce -19.4% |
Portfolio Sells Q3 2025 → Q4 2025
| MSFT Microsoft Corp. | Reduce -8.8% | 3.29% | −0.47 |
| NVDA Nvidia Corp. | Reduce -9.9% | 5.21% | −0.42 |
| ESGD iShares Trust iShares ESG Aw | Reduce -66.0% | 0.16% | −0.28 |
| IBDQ iShares Ibonds Dec 2025 Term | Sold out | 0.00% | −0.21 |
| FISV Fiserv Inc. | Sold out | 0.00% | −0.18 |
| COST Costco Wholesale Corp. | Reduce -9.2% | 1.15% | −0.18 |
| AVGO Broadcom Inc. | Reduce -20.3% | 0.98% | −0.16 |
| IBTF iShares Ibonds Dec 2025 Term | Sold out | 0.00% | −0.15 |
| PG The Procter & Gamble Co. | Reduce -12.4% | 0.67% | −0.13 |
| TT Trane Technologies PLC | Reduce -16.6% | 0.45% | −0.12 |
| ORCL Oracle Corp. | Reduce -0.0% | 0.29% | −0.12 |
| BSV Vanguard Short-Term Bond ETF | Reduce -56.4% | 0.09% | −0.11 |
| ANET Arista Networks Inc. | Reduce -33.5% | 0.16% | −0.10 |
| DES Wisdomtree US Smallcap Divid | Reduce -41.7% | 0.14% | −0.10 |
| EA Electronic Arts Inc. | Reduce -74.0% | 0.03% | −0.09 |
| BKNG Booking Holdings Inc. | Reduce -28.6% | 0.24% | −0.09 |
| TJX TJX Companies Inc. | Reduce -28.7% | 0.29% | −0.08 |
| UNP Union Pacific Corp. | Reduce -20.8% | 0.32% | −0.08 |
| LOW Lowe's Cos Inc. | Reduce -20.9% | 0.28% | −0.08 |
| ABBV Abbvie Inc. | Reduce -7.5% | 1.16% | −0.08 |
| EOG EOG Resources Inc. | Reduce -45.7% | 0.08% | −0.08 |
| PH Parker Hannifin Corp. | Reduce -43.3% | 0.16% | −0.08 |
| VCSH Vanguard S/T Corp. Bond ETF | Reduce -8.1% | 1.18% | −0.07 |
| MAS Masco Corp. | Reduce -38.1% | 0.10% | −0.07 |
| MA Mastercard Inc. Class A | Reduce -18.3% | 0.39% | −0.07 |
| AMP Ameriprise Financial Inc. | Reduce -19.0% | 0.34% | −0.07 |
| HPQ HP Inc. | Reduce -52.8% | 0.05% | −0.07 |
| DHI D.R. Horton Inc. | Reduce -37.3% | 0.08% | −0.07 |
| ECL Ecolab Inc. | Reduce -17.8% | 0.29% | −0.07 |
| DIS The Walt Disney Co. | Reduce -16.3% | 0.39% | −0.07 |
| ESML iShares ESG Aware MSCI USA S | Sold out | 0.00% | −0.07 |
| ITW Illinois Tool Works | Reduce -19.4% | 0.22% | −0.06 |
| NFLX Netflix Inc. | Reduce -10.9% | 0.15% | −0.06 |
| ESGE iShares Inc. iShares ESG Awar | Reduce -52.0% | 0.06% | −0.06 |
| MET Metlife Inc. | Reduce -44.1% | 0.07% | −0.06 |
| CL Colgate-Palmolive Co. | Reduce -31.9% | 0.13% | −0.06 |
| USMV iShares MSCI USA Min Vol Fac | Reduce -8.9% | 0.70% | −0.06 |
| PSA Public Storage | Reduce -29.3% | 0.11% | −0.06 |
| NOW ServiceNow Inc. | Reduce -30.7% | 0.08% | −0.06 |
| ETN Eaton Corp. PLC | Reduce -4.3% | 0.28% | −0.05 |
| ZTS Zoetis Inc. | Sold out | 0.00% | −0.05 |
| EQIX Equinix Inc. | Sold out | 0.00% | −0.05 |
| JPM JPMorgan Chase & Co. | Reduce -8.0% | 1.35% | −0.05 |
| VRTX Vertex Pharmaceuticals Inc. | Reduce -45.2% | 0.09% | −0.05 |
| KMB Kimberly-Clark Corp. | Sold out | 0.00% | −0.05 |
| CMG Chipotle Mexican Grill Inc. | Sold out | 0.00% | −0.04 |
| GOVT iShares US Treasury Bond ETF | Reduce -4.5% | 1.83% | −0.04 |
| DD Dupont DE Nemours Inc. | Sold out | 0.00% | −0.04 |
| KLAC KLA Corp. | Reduce -24.8% | 0.29% | −0.04 |
| XLI SS Industrial Select Sector | Sold out | 0.00% | −0.04 |
Portfolio Buys Q3 2025 → Q4 2025
| VOO Vanguard S&P 500 ETF | Add +193.5% | 1.43% | +0.97 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Add +40.8% | 0.63% | +0.19 |
| VGIT Vanguard Intermediate-Term T | Add +17.8% | 0.84% | +0.14 |
| SBRA Sabra Health Care REIT Inc. | New | 0.12% | +0.12 |
| VGSH Vanguard Short-Term Treasury | Add +3.3% | 2.16% | +0.12 |
| MU Micron Technology Inc. | Add +0.7% | 0.25% | +0.11 |
| JPIE JPMorgan Income ETF | Add +18.4% | 0.52% | +0.09 |
| EFV iShares MSCI Eafe Value ETF | Add +1.1% | 1.07% | +0.09 |
| CVMC Calvert US Mcap Core Resp | New | 0.08% | +0.08 |
| VEA Vanguard Ftse Developed ETF | Add +6.5% | 0.55% | +0.07 |
| SHV iShares 0-1 Year Treasury Bo | Add +84.1% | 0.14% | +0.07 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +20.8% | 0.28% | +0.06 |
| CAT Caterpillar Inc. | Add +0.5% | 0.31% | +0.06 |
| RSP Invesco S&P 500 Equal Weight | New | 0.05% | +0.05 |
| IBDW iShares Ibonds Dec 2031 Corp. | Add +43.6% | 0.16% | +0.05 |
| VGK Vanguard Ftse Europe ETF | Add +6.5% | 0.38% | +0.05 |
| WMT Walmart Inc. | Add +2.6% | 0.38% | +0.05 |
| XOM Exxon Mobil Corp. | Add +0.1% | 0.52% | +0.05 |
| IBDV iShares Ibonds Dec 2030 Corp. | Add +33.5% | 0.16% | +0.04 |
| ROK Rockwell Automation Inc. | New | 0.04% | +0.04 |
| CMI Cummins Inc. | Add +0.6% | 0.20% | +0.04 |
| CTSH Cognizant Tech Solutions-A | New | 0.04% | +0.04 |
| IBDX iShares Ibonds Dec 2032 TC | Add +34.1% | 0.14% | +0.04 |
| IBDR iShares Ibonds Dec 2026 Term | Add +12.0% | 0.28% | +0.04 |
| TLH iShares 10-20 Year Treasury | New | 0.04% | +0.04 |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | Add +13.0% | 0.26% | +0.04 |
| ITOT iShares Core S&P Total U.S. | Add +0.1% | 0.75% | +0.03 |
| IBDU iShares Ibonds Dec 2029 Term | Add +25.3% | 0.15% | +0.03 |
| IBTK iShares Ibonds Dec 2030 Trea | Add +35.7% | 0.11% | +0.03 |
| VPL Vanguard Ftse Pacific ETF | Add +4.7% | 0.29% | +0.03 |
| IBTL iShares Ibonds Dec 2031 Term | Add +39.4% | 0.09% | +0.03 |
| IEMG iShares Core MSCI Emerging | Add +11.1% | 0.18% | +0.03 |
| ORLY O'reilly Automotive Inc. | Add +48.2% | 0.11% | +0.03 |
| IBDT iShares Ibonds Dec 2028 ETF | Add +10.7% | 0.20% | +0.02 |
| CVX Chevron Corp. | Add +2.3% | 0.75% | +0.02 |
| C Citigroup Inc. | Add +1.5% | 0.13% | +0.02 |
| IBTH iShares Ibonds Dec 2027 Term | Add +6.5% | 0.25% | +0.02 |
| COF Capital One Financial Corp. | Add +0.3% | 0.12% | +0.02 |
| STX Seagate Technology Holdings | Add +13.7% | 0.07% | +0.02 |
| IBTI iShares Ibonds Dec 2028 Term | Add +5.8% | 0.22% | +0.02 |
| IBTJ iShares Ibonds Dec 2029 Term | Add +6.5% | 0.20% | +0.02 |
| IBTG iShares Ibonds Dec 2026 Term | Add +4.3% | 0.27% | +0.02 |
| XSOE Wisdmtree Emerg MKT Ex-St Ow | Add +0.9% | 0.27% | +0.02 |
| IVE iShares S&P 500 Value ETF | Add +1.4% | 0.20% | +0.01 |
| MRVL Marvell Technology Inc. | Add +29.7% | 0.05% | +0.01 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Add +5.0% | 0.20% | +0.01 |
| JCI Johnson Controls Internation | Add +3.6% | 0.08% | +0.01 |
| QCOM Qualcomm Inc. | Add +0.5% | 0.16% | +0.01 |
| IBDY iShares Ibonds Dec 2033 Corp. | Add +5.9% | 0.11% | +0.01 |
| IBDZ ISHARESIBONDSDEC2034TMCORP | Add +6.1% | 0.10% | +0.01 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 271 | $668.4M | IWF, NVDA, IVV, MSFT, BIV |
| Q1 2026 | 266 | $607.3M | IWF, NVDA, IVV, BIV, MSFT |
| Q4 2025 | 265 | $627.3M | IWF, NVDA, MSFT, IVV, BIV |
| Q3 2025 | 274 | $643.9M | NVDA, IWF, MSFT, IVV, BIV |
| Q1 2025 | 278 | $564.7M | IWF, NVDA, MSFT, BIV, IVV |
| Q4 2024 | 273 | $577.1M | IWF, NVDA, MSFT, BIV, IVV |
| Q3 2024 | 278 | $586.7M | IWF, NVDA, MSFT, BIV, AGG |
| Q2 2024 | 258 | $491.3M | IWF, NVDA, MSFT, IVV, SPY |
| Q1 2024 | 263 | $499.8M | IWF, NVDA, MSFT, IVV, SPY |