MONTECITO BANK & TRUST

Filed: 4/16/2026ACC: 0001422508-26-000002

📋 What this filing means

MONTECITO BANK & TRUST filed this quarterly 13F‑HR report disclosing 266 equity positions with a total reported market value of $607.35M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

266

Positions

$607.35M

Total AUM (reported)

5.94M

Total Shares

Allocation by class

EQUITIES$483.49M79.6%

FIXED INCOME$123.86M20.4%

Portfolio Concentration

Top 3$78.37M12.9%

4–10$96.68M15.9%

11–25$125.44M20.7%

Rest$306.86M50.5%

Top 3 weight

12.9%

Top 10 weight

28.8%

Voting Authority Distribution

Total shares with voting rights: 5.94M

Sole

Full voting authority

4.62M

% of voting shares77.7%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

1.32M

% of voting shares22.3%

Investment Discretion (by position count)

Sole86

Shared0

Other180

Dominant voting typeSole · 77.7% of voting shares

Institutional Holdings266

Rows:

ISHARES RUSSELL 1000 GROWTH ETF

DFND

Equities

Shares73.50K

TypeSH

Market value$31.34M

5.16%

Sole

71.75K

Shared

0.00

None

1.75K

NVIDIA CORP

DFND

Equities

Shares168.04K

TypeSH

Market value$29.31M

4.83%

Sole

131.23K

Shared

0.00

None

36.81K

ISHARES CORE S&P 500 ETF

DFND

Equities

Shares27.13K

TypeSH

Market value$17.72M

2.92%

Sole

21.66K

Shared

0.00

None

5.47K

VANGUARD INTERMEDIATE-TERM BOND

DFND

Fixed Income

Shares199.31K

TypeSH

Market value$15.38M

2.53%

Sole

167.76K

Shared

0.00

None

31.55K

MICROSOFT CORP

DFND

Equities

Shares40.98K

TypeSH

Market value$15.17M

2.50%

Sole

29.87K

Shared

0.00

None

11.11K

ISHARES CORE U.S. AGGREGATE BON

DFND

Fixed Income

Shares148.16K

TypeSH

Market value$14.71M

2.42%

Sole

101.33K

Shared

0.00

None

46.83K

VANGUARD SHORT-TERM TREASURY ET

DFND

Fixed Income

Shares237.28K

TypeSH

Market value$13.89M

2.29%

Sole

168.03K

Shared

0.00

None

69.25K

SPDR S&P 500 ETF TRUST

DFND

Equities

Shares19.61K

TypeSH

Market value$12.76M

2.10%

Sole

18.72K

Shared

0.00

None

889.00

ISHARES CORE MSCI EAFE ETF

DFND

Equities

Shares140.26K

TypeSH

Market value$12.70M

2.09%

Sole

112.80K

Shared

0.00

None

27.46K

ALPHABET INC-CL A

DFND

Equities

Shares42K

TypeSH

Market value$12.08M

1.99%

Sole

22.26K

Shared

0.00

None

19.74K

ISHARES CORE S&P MID-CAP ETF

DFND

Equities

Shares172.82K

TypeSH

Market value$11.67M

1.92%

Sole

160.82K

Shared

0.00

None

12.01K

ISHARES MSCI USA QUALITY FACTOR

DFND

Equities

Shares56.99K

TypeSH

Market value$10.93M

1.80%

Sole

44.81K

Shared

0.00

None

12.18K

ISHARES U.S. TREASURY BOND ETF

DFND

Fixed Income

Shares476.78K

TypeSH

Market value$10.92M

1.80%

Sole

320.56K

Shared

0.00

None

156.22K

ISHARES RUSSELL 1000 VALUE ETF

DFND

Equities

Shares48.26K

TypeSH

Market value$10.31M

1.70%

Sole

47.51K

Shared

0.00

None

753.00

VANGUARD S&P 500 ETF

DFND

Equities

Shares13.97K

TypeSH

Market value$8.35M

1.37%

Sole

13.13K

Shared

0.00

None

842.00

ELI LILLY & CO

DFND

Equities

Shares8.98K

TypeSH

Market value$8.26M

1.36%

Sole

7.89K

Shared

0.00

None

1.08K

COCA-COLA CO/THE

DFND

Equities

Shares105.39K

TypeSH

Market value$8.01M

1.32%

Sole

99.13K

Shared

0.00

None

6.26K

COSTCO WHOLESALE CORP

DFND

Equities

Shares7.92K

TypeSH

Market value$7.89M

1.30%

Sole

5.93K

Shared

0.00

None

1.98K

VANGUARD INTL DIVIDEND APPRECIA

DFND

Equities

Shares87.28K

TypeSH

Market value$7.72M

1.27%

Sole

63.54K

Shared

0.00

None

23.74K

JPMORGAN CHASE & CO

DFND

Equities

Shares25.70K

TypeSH

Market value$7.56M

1.24%

Sole

19.61K

Shared

0.00

None

6.09K

VANGUARD SHORT-TERM CORPORATE B

DFND

Fixed Income

Shares90.70K

TypeSH

Market value$7.19M

1.18%

Sole

71.02K

Shared

0.00

None

19.68K

ISHARES MSCI EAFE VALUE ETF

DFND

Equities

Shares96.57K

TypeSH

Market value$7.18M

1.18%

Sole

66.29K

Shared

0.00

None

30.28K

ABBVIE INC

DFND

Equities

Shares31.21K

TypeSH

Market value$6.79M

1.12%

Sole

24.95K

Shared

0.00

None

6.26K

CHEVRON CORP

DFND

Equities

Shares30.92K

TypeSH

Market value$6.40M

1.05%

Sole

16.52K

Shared

0.00

None

14.40K

ISHARES TREASURY FLOATING RATE

DFND

Fixed Income

Shares123.55K

TypeSH

Market value$6.26M

1.03%

Sole

93.70K

Shared

0.00

None

29.85K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
ISHARES RUSSELL 1000 GROWTH ETFDFND	Equities	73.50K	SH	$31.34M 5.16%	71.75K	1.75K
NVIDIA CORPDFND	Equities	168.04K	SH	$29.31M 4.83%	131.23K	36.81K
ISHARES CORE S&P 500 ETFDFND	Equities	27.13K	SH	$17.72M 2.92%	21.66K	5.47K
VANGUARD INTERMEDIATE-TERM BONDDFND	Fixed Income	199.31K	SH	$15.38M 2.53%	167.76K	31.55K
MICROSOFT CORPDFND	Equities	40.98K	SH	$15.17M 2.50%	29.87K	11.11K
ISHARES CORE U.S. AGGREGATE BONDFND	Fixed Income	148.16K	SH	$14.71M 2.42%	101.33K	46.83K
VANGUARD SHORT-TERM TREASURY ETDFND	Fixed Income	237.28K	SH	$13.89M 2.29%	168.03K	69.25K
SPDR S&P 500 ETF TRUSTDFND	Equities	19.61K	SH	$12.76M 2.10%	18.72K	889.00
ISHARES CORE MSCI EAFE ETFDFND	Equities	140.26K	SH	$12.70M 2.09%	112.80K	27.46K
ALPHABET INC-CL ADFND	Equities	42K	SH	$12.08M 1.99%	22.26K	19.74K
ISHARES CORE S&P MID-CAP ETFDFND	Equities	172.82K	SH	$11.67M 1.92%	160.82K	12.01K
ISHARES MSCI USA QUALITY FACTORDFND	Equities	56.99K	SH	$10.93M 1.80%	44.81K	12.18K
ISHARES U.S. TREASURY BOND ETFDFND	Fixed Income	476.78K	SH	$10.92M 1.80%	320.56K	156.22K
ISHARES RUSSELL 1000 VALUE ETFDFND	Equities	48.26K	SH	$10.31M 1.70%	47.51K	753.00
VANGUARD S&P 500 ETFDFND	Equities	13.97K	SH	$8.35M 1.37%	13.13K	842.00
ELI LILLY & CODFND	Equities	8.98K	SH	$8.26M 1.36%	7.89K	1.08K
COCA-COLA CO/THEDFND	Equities	105.39K	SH	$8.01M 1.32%	99.13K	6.26K
COSTCO WHOLESALE CORPDFND	Equities	7.92K	SH	$7.89M 1.30%	5.93K	1.98K
VANGUARD INTL DIVIDEND APPRECIADFND	Equities	87.28K	SH	$7.72M 1.27%	63.54K	23.74K
JPMORGAN CHASE & CODFND	Equities	25.70K	SH	$7.56M 1.24%	19.61K	6.09K
VANGUARD SHORT-TERM CORPORATE BDFND	Fixed Income	90.70K	SH	$7.19M 1.18%	71.02K	19.68K
ISHARES MSCI EAFE VALUE ETFDFND	Equities	96.57K	SH	$7.18M 1.18%	66.29K	30.28K
ABBVIE INCDFND	Equities	31.21K	SH	$6.79M 1.12%	24.95K	6.26K
CHEVRON CORPDFND	Equities	30.92K	SH	$6.40M 1.05%	16.52K	14.40K
ISHARES TREASURY FLOATING RATEDFND	Fixed Income	123.55K	SH	$6.26M 1.03%	93.70K	29.85K

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