MONTECITO BANK & TRUST

PrivateCIK: 1422508

Location

SANTA BARBARA, CA

271

Positions

$668.41M

Total AUM (reported)

6.33M

Total Shares

Allocation by class

EQUITIES$541.19M81.0%

FIXED INCOME$127.22M19.0%

Portfolio Concentration

Top 3$86.58M13.0%

4–10$102.42M15.3%

11–25$136.40M20.4%

Rest$343.01M51.3%

Top 3 weight

13.0%

Top 10 weight

28.3%

Voting Authority Distribution

Total shares with voting rights: 6.33M

Sole

Full voting authority

4.98M

% of voting shares78.8%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

1.34M

% of voting shares21.2%

Investment Discretion (by position count)

Sole181

Shared0

Other90

Dominant voting typeSole · 78.8% of voting shares

Institutional Holdings271

Rows:

ISHARES RUSSELL 1000 GROWTH ETF

DFND

Equities

Shares285.91K

TypeSH

Market value$35.50M

5.31%

Sole

280.10K

Shared

0.00

None

5.81K

NVIDIA CORP

DFND

Equities

Shares158.81K

TypeSH

Market value$31.78M

4.75%

Sole

127.04K

Shared

0.00

None

31.77K

ISHARES CORE S&P 500 ETF

SOLE

Equities

Shares25.77K

TypeSH

Market value$19.30M

2.89%

Sole

21.07K

Shared

0.00

None

4.70K

MICROSOFT CORP

DFND

Equities

Shares40.78K

TypeSH

Market value$15.21M

2.28%

Sole

29.73K

Shared

0.00

None

11.05K

VANGUARD INTERMEDIATE-TERM BOND

SOLE

Fixed Income

Shares197.63K

TypeSH

Market value$15.16M

2.27%

Sole

166.98K

Shared

0.00

None

30.65K

ISHARES CORE U.S. AGGREGATE BON

SOLE

Fixed Income

Shares150.95K

TypeSH

Market value$14.94M

2.24%

Sole

104.09K

Shared

0.00

None

46.86K

ALPHABET INC-CL A

SOLE

Equities

Shares41.06K

TypeSH

Market value$14.67M

2.20%

Sole

21.69K

Shared

0.00

None

19.37K

VANGUARD SHORT-TERM TREASURY ET

SOLE

Fixed Income

Shares246.74K

TypeSH

Market value$14.36M

2.15%

Sole

175.40K

Shared

0.00

None

71.35K

SPDR S&P 500 ETF TRUST

DFND

Equities

Shares19.05K

TypeSH

Market value$14.23M

2.13%

Sole

18.23K

Shared

0.00

None

819.00

ISHARES CORE MSCI EAFE ETF

DFND

Equities

Shares143.34K

TypeSH

Market value$13.84M

2.07%

Sole

115.13K

Shared

0.00

None

28.22K

ISHARES CORE S&P MID-CAP ETF

SOLE

Equities

Shares167.01K

TypeSH

Market value$12.88M

1.93%

Sole

156.55K

Shared

0.00

None

10.46K

ISHARES MSCI USA QUALITY FACTOR

SOLE

Equities

Shares53.78K

TypeSH

Market value$11.80M

1.77%

Sole

43.91K

Shared

0.00

None

9.88K

ISHARES RUSSELL 1000 VALUE ETF

SOLE

Equities

Shares46.63K

TypeSH

Market value$11.30M

1.69%

Sole

46.23K

Shared

0.00

None

392.00

ISHARES U.S. TREASURY BOND ETF

DFND

Fixed Income

Shares482.55K

TypeSH

Market value$10.99M

1.64%

Sole

332.87K

Shared

0.00

None

149.68K

ELI LILLY & CO

SOLE

Equities

Shares9.04K

TypeSH

Market value$10.85M

1.62%

Sole

7.90K

Shared

0.00

None

1.15K

VANGUARD S&P 500 ETF

DFND

Equities

Shares13.96K

TypeSH

Market value$9.59M

1.43%

Sole

13.13K

Shared

0.00

None

832.00

COCA-COLA CO/THE

SOLE

Equities

Shares105.39K

TypeSH

Market value$8.57M

1.28%

Sole

99.13K

Shared

0.00

None

6.26K

JPMORGAN CHASE & CO

SOLE

Equities

Shares25.86K

TypeSH

Market value$8.47M

1.27%

Sole

19.71K

Shared

0.00

None

6.15K

VANGUARD INTL DIVIDEND APPRECIA

SOLE

Equities

Shares87.38K

TypeSH

Market value$8.16M

1.22%

Sole

64.33K

Shared

0.00

None

23.05K

ISHARES MSCI EMERGING MARKETS E

DFND

Equities

Shares74.04K

TypeSH

Market value$7.57M

1.13%

Sole

52.85K

Shared

0.00

None

21.19K

ISHARES MSCI EAFE VALUE ETF

DFND

Equities

Shares97.75K

TypeSH

Market value$7.48M

1.12%

Sole

67.66K

Shared

0.00

None

30.09K

ABBVIE INC

SOLE

Equities

Shares29.47K

TypeSH

Market value$7.42M

1.11%

Sole

23.21K

Shared

0.00

None

6.26K

VANGUARD SHORT-TERM CORPORATE B

DFND

Fixed Income

Shares92.36K

TypeSH

Market value$7.30M

1.09%

Sole

73.76K

Shared

0.00

None

18.60K

COSTCO WHOLESALE CORP

DFND

Equities

Shares7.65K

TypeSH

Market value$7.16M

1.07%

Sole

5.88K

Shared

0.00

None

1.77K

ISHARES U.S. TECHNOLOGY ETF

SOLE

Equities

Shares27.25K

TypeSH

Market value$6.87M

1.03%

Sole

25.31K

Shared

0.00

None

1.94K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
ISHARES RUSSELL 1000 GROWTH ETFDFND	Equities	285.91K	SH	$35.50M 5.31%	280.10K	5.81K
NVIDIA CORPDFND	Equities	158.81K	SH	$31.78M 4.75%	127.04K	31.77K
ISHARES CORE S&P 500 ETFSOLE	Equities	25.77K	SH	$19.30M 2.89%	21.07K	4.70K
MICROSOFT CORPDFND	Equities	40.78K	SH	$15.21M 2.28%	29.73K	11.05K
VANGUARD INTERMEDIATE-TERM BONDSOLE	Fixed Income	197.63K	SH	$15.16M 2.27%	166.98K	30.65K
ISHARES CORE U.S. AGGREGATE BONSOLE	Fixed Income	150.95K	SH	$14.94M 2.24%	104.09K	46.86K
ALPHABET INC-CL ASOLE	Equities	41.06K	SH	$14.67M 2.20%	21.69K	19.37K
VANGUARD SHORT-TERM TREASURY ETSOLE	Fixed Income	246.74K	SH	$14.36M 2.15%	175.40K	71.35K
SPDR S&P 500 ETF TRUSTDFND	Equities	19.05K	SH	$14.23M 2.13%	18.23K	819.00
ISHARES CORE MSCI EAFE ETFDFND	Equities	143.34K	SH	$13.84M 2.07%	115.13K	28.22K
ISHARES CORE S&P MID-CAP ETFSOLE	Equities	167.01K	SH	$12.88M 1.93%	156.55K	10.46K
ISHARES MSCI USA QUALITY FACTORSOLE	Equities	53.78K	SH	$11.80M 1.77%	43.91K	9.88K
ISHARES RUSSELL 1000 VALUE ETFSOLE	Equities	46.63K	SH	$11.30M 1.69%	46.23K	392.00
ISHARES U.S. TREASURY BOND ETFDFND	Fixed Income	482.55K	SH	$10.99M 1.64%	332.87K	149.68K
ELI LILLY & COSOLE	Equities	9.04K	SH	$10.85M 1.62%	7.90K	1.15K
VANGUARD S&P 500 ETFDFND	Equities	13.96K	SH	$9.59M 1.43%	13.13K	832.00
COCA-COLA CO/THESOLE	Equities	105.39K	SH	$8.57M 1.28%	99.13K	6.26K
JPMORGAN CHASE & COSOLE	Equities	25.86K	SH	$8.47M 1.27%	19.71K	6.15K
VANGUARD INTL DIVIDEND APPRECIASOLE	Equities	87.38K	SH	$8.16M 1.22%	64.33K	23.05K
ISHARES MSCI EMERGING MARKETS EDFND	Equities	74.04K	SH	$7.57M 1.13%	52.85K	21.19K
ISHARES MSCI EAFE VALUE ETFDFND	Equities	97.75K	SH	$7.48M 1.12%	67.66K	30.09K
ABBVIE INCSOLE	Equities	29.47K	SH	$7.42M 1.11%	23.21K	6.26K
VANGUARD SHORT-TERM CORPORATE BDFND	Fixed Income	92.36K	SH	$7.30M 1.09%	73.76K	18.60K
COSTCO WHOLESALE CORPDFND	Equities	7.65K	SH	$7.16M 1.07%	5.88K	1.77K
ISHARES U.S. TECHNOLOGY ETFSOLE	Equities	27.25K	SH	$6.87M 1.03%	25.31K	1.94K

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