MONTECITO BANK & TRUST

Filed: 10/7/2025ACC: 0001422508-25-000004

📋 What this filing means

MONTECITO BANK & TRUST filed this quarterly 13F‑HR report disclosing 274 equity positions with a total reported market value of $643.86M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

274

Positions

$643.86M

Total AUM (reported)

6.08M

Total Shares

Allocation by class

EQUITIES$523.53M81.3%

FIXED INCOME$120.34M18.7%

Portfolio Concentration

Top 3$95.56M14.8%

4–10$98.90M15.4%

11–25$127.75M19.8%

Rest$321.65M50.0%

Top 3 weight

14.8%

Top 10 weight

30.2%

Voting Authority Distribution

Total shares with voting rights: 6.08M

Sole

Full voting authority

4.50M

% of voting shares74.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

1.58M

% of voting shares26.0%

Investment Discretion (by position count)

Sole98

Shared0

Other176

Dominant voting typeSole · 74.0% of voting shares

Institutional Holdings274

Rows:

NVIDIA CORP

DFND

Equities

Shares194.55K

TypeSH

Market value$36.30M

5.64%

Sole

140.82K

Shared

0.00

None

53.73K

ISHARES RUSSELL 1000 GROWTH ETF

DFND

Equities

Shares74.80K

TypeSH

Market value$35.04M

5.44%

Sole

73.03K

Shared

0.00

None

1.76K

MICROSOFT CORP

DFND

Equities

Shares46.78K

TypeSH

Market value$24.23M

3.76%

Sole

31.70K

Shared

0.00

None

15.08K

ISHARES CORE S&P 500 ETF

DFND

Equities

Shares27.04K

TypeSH

Market value$18.10M

2.81%

Sole

20.93K

Shared

0.00

None

6.11K

VANGUARD INTERMEDIATE-TERM BOND

DFND

Fixed Income

Shares192.05K

TypeSH

Market value$15.00M

2.33%

Sole

160.11K

Shared

0.00

None

31.94K

ISHARES CORE U.S. AGGREGATE BON

DFND

Fixed Income

Shares142.49K

TypeSH

Market value$14.28M

2.22%

Sole

96.97K

Shared

0.00

None

45.52K

SPDR S&P 500 ETF TRUST

DFND

Equities

Shares19.86K

TypeSH

Market value$13.23M

2.06%

Sole

18.94K

Shared

0.00

None

919.00

VANGUARD SHORT-TERM TREASURY ET

DFND

Fixed Income

Shares223.42K

TypeSH

Market value$13.15M

2.04%

Sole

151.05K

Shared

0.00

None

72.37K

ALPHABET INC-CL A

DFND

Equities

Shares53.37K

TypeSH

Market value$12.97M

2.02%

Sole

24.26K

Shared

0.00

None

29.11K

ISHARES CORE S&P MID-CAP ETF

DFND

Equities

Shares186.38K

TypeSH

Market value$12.16M

1.89%

Sole

173.88K

Shared

0.00

None

12.50K

ISHARES U.S. TREASURY BOND ETF

DFND

Fixed Income

Shares521.93K

TypeSH

Market value$12.07M

1.87%

Sole

319.22K

Shared

0.00

None

202.71K

ISHARES CORE MSCI EAFE ETF

DFND

Equities

Shares133.92K

TypeSH

Market value$11.69M

1.82%

Sole

109.59K

Shared

0.00

None

24.33K

ISHARES MSCI USA QUALITY FACTOR

DFND

Equities

Shares58.18K

TypeSH

Market value$11.32M

1.76%

Sole

45.12K

Shared

0.00

None

13.06K

ISHARES RUSSELL 1000 VALUE ETF

DFND

Equities

Shares49.16K

TypeSH

Market value$10.01M

1.55%

Sole

48.32K

Shared

0.00

None

838.00

JPMORGAN CHASE & CO

DFND

Equities

Shares28.49K

TypeSH

Market value$8.99M

1.40%

Sole

19.99K

Shared

0.00

None

8.50K

VANGUARD INTL DIVIDEND APPRECIA

DFND

Equities

Shares95.53K

TypeSH

Market value$8.56M

1.33%

Sole

65.06K

Shared

0.00

None

30.47K

COSTCO WHOLESALE CORP

DFND

Equities

Shares9.23K

TypeSH

Market value$8.54M

1.33%

Sole

6.58K

Shared

0.00

None

2.65K

VANGUARD SHORT-TERM CORPORATE B

DFND

Fixed Income

Shares101.22K

TypeSH

Market value$8.09M

1.26%

Sole

78.20K

Shared

0.00

None

23.02K

ABBVIE INC

DFND

Equities

Shares34.33K

TypeSH

Market value$7.95M

1.23%

Sole

25.16K

Shared

0.00

None

9.17K

ELI LILLY & CO

DFND

Equities

Shares9.81K

TypeSH

Market value$7.49M

1.16%

Sole

8.25K

Shared

0.00

None

1.56K

BROADCOM INC

DFND

Equities

Shares22.30K

TypeSH

Market value$7.36M

1.14%

Sole

10.47K

Shared

0.00

None

11.82K

COCA-COLA CO/THE

DFND

Equities

Shares108.16K

TypeSH

Market value$7.17M

1.11%

Sole

101.90K

Shared

0.00

None

6.26K

ISHARES MSCI EAFE VALUE ETF

DFND

Equities

Shares92.98K

TypeSH

Market value$6.31M

0.98%

Sole

62.14K

Shared

0.00

None

30.84K

ISHARES CORE S&P SMALL-CAP ETF

DFND

Equities

Shares52.11K

TypeSH

Market value$6.19M

0.96%

Sole

41.78K

Shared

0.00

None

10.33K

ISHARES TREASURY FLOATING RATE

DFND

Fixed Income

Shares119.26K

TypeSH

Market value$6.03M

0.94%

Sole

91.24K

Shared

0.00

None

28.02K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
NVIDIA CORPDFND	Equities	194.55K	SH	$36.30M 5.64%	140.82K	53.73K
ISHARES RUSSELL 1000 GROWTH ETFDFND	Equities	74.80K	SH	$35.04M 5.44%	73.03K	1.76K
MICROSOFT CORPDFND	Equities	46.78K	SH	$24.23M 3.76%	31.70K	15.08K
ISHARES CORE S&P 500 ETFDFND	Equities	27.04K	SH	$18.10M 2.81%	20.93K	6.11K
VANGUARD INTERMEDIATE-TERM BONDDFND	Fixed Income	192.05K	SH	$15.00M 2.33%	160.11K	31.94K
ISHARES CORE U.S. AGGREGATE BONDFND	Fixed Income	142.49K	SH	$14.28M 2.22%	96.97K	45.52K
SPDR S&P 500 ETF TRUSTDFND	Equities	19.86K	SH	$13.23M 2.06%	18.94K	919.00
VANGUARD SHORT-TERM TREASURY ETDFND	Fixed Income	223.42K	SH	$13.15M 2.04%	151.05K	72.37K
ALPHABET INC-CL ADFND	Equities	53.37K	SH	$12.97M 2.02%	24.26K	29.11K
ISHARES CORE S&P MID-CAP ETFDFND	Equities	186.38K	SH	$12.16M 1.89%	173.88K	12.50K
ISHARES U.S. TREASURY BOND ETFDFND	Fixed Income	521.93K	SH	$12.07M 1.87%	319.22K	202.71K
ISHARES CORE MSCI EAFE ETFDFND	Equities	133.92K	SH	$11.69M 1.82%	109.59K	24.33K
ISHARES MSCI USA QUALITY FACTORDFND	Equities	58.18K	SH	$11.32M 1.76%	45.12K	13.06K
ISHARES RUSSELL 1000 VALUE ETFDFND	Equities	49.16K	SH	$10.01M 1.55%	48.32K	838.00
JPMORGAN CHASE & CODFND	Equities	28.49K	SH	$8.99M 1.40%	19.99K	8.50K
VANGUARD INTL DIVIDEND APPRECIADFND	Equities	95.53K	SH	$8.56M 1.33%	65.06K	30.47K
COSTCO WHOLESALE CORPDFND	Equities	9.23K	SH	$8.54M 1.33%	6.58K	2.65K
VANGUARD SHORT-TERM CORPORATE BDFND	Fixed Income	101.22K	SH	$8.09M 1.26%	78.20K	23.02K
ABBVIE INCDFND	Equities	34.33K	SH	$7.95M 1.23%	25.16K	9.17K
ELI LILLY & CODFND	Equities	9.81K	SH	$7.49M 1.16%	8.25K	1.56K
BROADCOM INCDFND	Equities	22.30K	SH	$7.36M 1.14%	10.47K	11.82K
COCA-COLA CO/THEDFND	Equities	108.16K	SH	$7.17M 1.11%	101.90K	6.26K
ISHARES MSCI EAFE VALUE ETFDFND	Equities	92.98K	SH	$6.31M 0.98%	62.14K	30.84K
ISHARES CORE S&P SMALL-CAP ETFDFND	Equities	52.11K	SH	$6.19M 0.96%	41.78K	10.33K
ISHARES TREASURY FLOATING RATEDFND	Fixed Income	119.26K	SH	$6.03M 0.94%	91.24K	28.02K

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