MONTECITO BANK & TRUST

Filed: 1/9/2026ACC: 0001422508-26-000001

📋 What this filing means

MONTECITO BANK & TRUST filed this quarterly 13F‑HR report disclosing 265 equity positions with a total reported market value of $627.26M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

265

Positions

$627.26M

Total AUM (reported)

5.93M

Total Shares

Allocation by class

EQUITIES$507.22M80.9%

FIXED INCOME$120.04M19.1%

Portfolio Concentration

Top 3$88.46M14.1%

4–10$99.86M15.9%

11–25$128.88M20.5%

Rest$310.06M49.4%

Top 3 weight

14.1%

Top 10 weight

30.0%

Voting Authority Distribution

Total shares with voting rights: 5.93M

Sole

Full voting authority

4.53M

% of voting shares76.3%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

1.40M

% of voting shares23.7%

Investment Discretion (by position count)

Sole86

Shared0

Other179

Dominant voting typeSole · 76.3% of voting shares

Institutional Holdings265

Rows:

ISHARES RUSSELL 1000 GROWTH ETF

DFND

Equities

Shares74.22K

TypeSH

Market value$35.13M

5.60%

Sole

72.45K

Shared

0.00

None

1.76K

NVIDIA CORP

DFND

Equities

Shares175.34K

TypeSH

Market value$32.70M

5.21%

Sole

136.84K

Shared

0.00

None

38.50K

MICROSOFT CORP

DFND

Equities

Shares42.66K

TypeSH

Market value$20.63M

3.29%

Sole

31.47K

Shared

0.00

None

11.19K

ISHARES CORE S&P 500 ETF

DFND

Equities

Shares26.75K

TypeSH

Market value$18.32M

2.92%

Sole

20.98K

Shared

0.00

None

5.77K

VANGUARD INTERMEDIATE-TERM BOND

DFND

Fixed Income

Shares188.60K

TypeSH

Market value$14.69M

2.34%

Sole

157.66K

Shared

0.00

None

30.94K

ISHARES CORE U.S. AGGREGATE BON

DFND

Fixed Income

Shares141.83K

TypeSH

Market value$14.17M

2.26%

Sole

96.11K

Shared

0.00

None

45.72K

ALPHABET INC-CL A

DFND

Equities

Shares43.72K

TypeSH

Market value$13.69M

2.18%

Sole

23.76K

Shared

0.00

None

19.96K

VANGUARD SHORT-TERM TREASURY ET

DFND

Fixed Income

Shares230.85K

TypeSH

Market value$13.56M

2.16%

Sole

154.09K

Shared

0.00

None

76.75K

SPDR S&P 500 ETF TRUST

DFND

Equities

Shares19.67K

TypeSH

Market value$13.41M

2.14%

Sole

18.78K

Shared

0.00

None

889.00

ISHARES CORE S&P MID-CAP ETF

DFND

Equities

Shares182.33K

TypeSH

Market value$12.03M

1.92%

Sole

169.03K

Shared

0.00

None

13.30K

ISHARES CORE MSCI EAFE ETF

DFND

Equities

Shares132.03K

TypeSH

Market value$11.81M

1.88%

Sole

107.71K

Shared

0.00

None

24.33K

ISHARES U.S. TREASURY BOND ETF

DFND

Fixed Income

Shares498.43K

TypeSH

Market value$11.48M

1.83%

Sole

319.38K

Shared

0.00

None

179.04K

ISHARES MSCI USA QUALITY FACTOR

DFND

Equities

Shares56.78K

TypeSH

Market value$11.28M

1.80%

Sole

44.42K

Shared

0.00

None

12.36K

ISHARES RUSSELL 1000 VALUE ETF

DFND

Equities

Shares48.84K

TypeSH

Market value$10.27M

1.64%

Sole

48K

Shared

0.00

None

838.00

ELI LILLY & CO

DFND

Equities

Shares9.24K

TypeSH

Market value$9.93M

1.58%

Sole

8.13K

Shared

0.00

None

1.11K

VANGUARD S&P 500 ETF

DFND

Equities

Shares14.30K

TypeSH

Market value$8.97M

1.43%

Sole

13.33K

Shared

0.00

None

974.00

JPMORGAN CHASE & CO

DFND

Equities

Shares26.21K

TypeSH

Market value$8.44M

1.35%

Sole

20.16K

Shared

0.00

None

6.05K

VANGUARD INTL DIVIDEND APPRECIA

DFND

Equities

Shares91.71K

TypeSH

Market value$8.39M

1.34%

Sole

63.93K

Shared

0.00

None

27.78K

COCA-COLA CO/THE

DFND

Equities

Shares107.41K

TypeSH

Market value$7.51M

1.20%

Sole

101.15K

Shared

0.00

None

6.26K

VANGUARD SHORT-TERM CORPORATE B

DFND

Fixed Income

Shares93.04K

TypeSH

Market value$7.42M

1.18%

Sole

72.21K

Shared

0.00

None

20.84K

ABBVIE INC

DFND

Equities

Shares31.74K

TypeSH

Market value$7.25M

1.16%

Sole

25.15K

Shared

0.00

None

6.59K

COSTCO WHOLESALE CORP

DFND

Equities

Shares8.37K

TypeSH

Market value$7.22M

1.15%

Sole

6.33K

Shared

0.00

None

2.04K

ISHARES MSCI EAFE VALUE ETF

DFND

Equities

Shares94.04K

TypeSH

Market value$6.72M

1.07%

Sole

63.71K

Shared

0.00

None

30.32K

BROADCOM INC

DFND

Equities

Shares17.78K

TypeSH

Market value$6.15M

0.98%

Sole

9.69K

Shared

0.00

None

8.09K

ISHARES CORE S&P SMALL-CAP ETF

DFND

Equities

Shares50.29K

TypeSH

Market value$6.04M

0.96%

Sole

40.14K

Shared

0.00

None

10.15K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
ISHARES RUSSELL 1000 GROWTH ETFDFND	Equities	74.22K	SH	$35.13M 5.60%	72.45K	1.76K
NVIDIA CORPDFND	Equities	175.34K	SH	$32.70M 5.21%	136.84K	38.50K
MICROSOFT CORPDFND	Equities	42.66K	SH	$20.63M 3.29%	31.47K	11.19K
ISHARES CORE S&P 500 ETFDFND	Equities	26.75K	SH	$18.32M 2.92%	20.98K	5.77K
VANGUARD INTERMEDIATE-TERM BONDDFND	Fixed Income	188.60K	SH	$14.69M 2.34%	157.66K	30.94K
ISHARES CORE U.S. AGGREGATE BONDFND	Fixed Income	141.83K	SH	$14.17M 2.26%	96.11K	45.72K
ALPHABET INC-CL ADFND	Equities	43.72K	SH	$13.69M 2.18%	23.76K	19.96K
VANGUARD SHORT-TERM TREASURY ETDFND	Fixed Income	230.85K	SH	$13.56M 2.16%	154.09K	76.75K
SPDR S&P 500 ETF TRUSTDFND	Equities	19.67K	SH	$13.41M 2.14%	18.78K	889.00
ISHARES CORE S&P MID-CAP ETFDFND	Equities	182.33K	SH	$12.03M 1.92%	169.03K	13.30K
ISHARES CORE MSCI EAFE ETFDFND	Equities	132.03K	SH	$11.81M 1.88%	107.71K	24.33K
ISHARES U.S. TREASURY BOND ETFDFND	Fixed Income	498.43K	SH	$11.48M 1.83%	319.38K	179.04K
ISHARES MSCI USA QUALITY FACTORDFND	Equities	56.78K	SH	$11.28M 1.80%	44.42K	12.36K
ISHARES RUSSELL 1000 VALUE ETFDFND	Equities	48.84K	SH	$10.27M 1.64%	48K	838.00
ELI LILLY & CODFND	Equities	9.24K	SH	$9.93M 1.58%	8.13K	1.11K
VANGUARD S&P 500 ETFDFND	Equities	14.30K	SH	$8.97M 1.43%	13.33K	974.00
JPMORGAN CHASE & CODFND	Equities	26.21K	SH	$8.44M 1.35%	20.16K	6.05K
VANGUARD INTL DIVIDEND APPRECIADFND	Equities	91.71K	SH	$8.39M 1.34%	63.93K	27.78K
COCA-COLA CO/THEDFND	Equities	107.41K	SH	$7.51M 1.20%	101.15K	6.26K
VANGUARD SHORT-TERM CORPORATE BDFND	Fixed Income	93.04K	SH	$7.42M 1.18%	72.21K	20.84K
ABBVIE INCDFND	Equities	31.74K	SH	$7.25M 1.16%	25.15K	6.59K
COSTCO WHOLESALE CORPDFND	Equities	8.37K	SH	$7.22M 1.15%	6.33K	2.04K
ISHARES MSCI EAFE VALUE ETFDFND	Equities	94.04K	SH	$6.72M 1.07%	63.71K	30.32K
BROADCOM INCDFND	Equities	17.78K	SH	$6.15M 0.98%	9.69K	8.09K
ISHARES CORE S&P SMALL-CAP ETFDFND	Equities	50.29K	SH	$6.04M 0.96%	40.14K	10.15K

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