# Montecito Bank & Trust

> Institutional holdings reported to the SEC as of Q3 2026 on Form 13F. CIK 1422508. Source: https://holderbook.com/funds/1422508-montecito-bank-trust/

- Reported value: $660.5M
- Positions: 272
- Weight of the ten largest: 29.8%
- Filed: 2026-10-01

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $35.6M | 155,835 | 5.4% | 31 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $35.3M | 282,104 | 5.4% | 31 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $20.8M | 40,538 | 3.1% | 31 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $19.7M | 25,725 | 3.0% | 31 |
| VANGUARD SCOTTSDALE FDS | [VGSH](https://holderbook.com/stocks/VGSH/) | $14.6M | 253,374 | 2.2% | 25 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $14.4M | 152,156 | 2.2% | 8 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $14.2M | 195,276 | 2.2% | 8 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $14.1M | 40,938 | 2.1% | 31 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $14.1M | 18,450 | 2.1% | 31 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $14.0M | 144,007 | 2.1% | 31 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $12.1M | 168,726 | 1.8% | 31 |
| ISHARES TR | [QUAL](https://holderbook.com/stocks/QUAL/) | $11.8M | 53,154 | 1.8% | 31 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $11.5M | 46,442 | 1.7% | 31 |
| ISHARES TR | [GOVT](https://holderbook.com/stocks/GOVT/) | $10.6M | 482,821 | 1.6% | 31 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $10.5M | 9,033 | 1.6% | 31 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $9.0M | 104,918 | 1.4% | 31 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $8.5M | 25,796 | 1.3% | 31 |
| VANGUARD WHITEHALL FDS | [VIGI](https://holderbook.com/stocks/VIGI/) | $8.2M | 87,035 | 1.2% | 27 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $7.7M | 29,498 | 1.2% | 31 |
| ISHARES TR | [EFV](https://holderbook.com/stocks/EFV/) | $7.6M | 96,467 | 1.2% | 15 |
| ISHARES INC | [EMXC](https://holderbook.com/stocks/EMXC/) | $7.4M | 74,980 | 1.1% | 19 |
| ISHARES TR | [IYW](https://holderbook.com/stocks/IYW/) | $7.2M | 27,332 | 1.1% | 31 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $7.2M | 92,833 | 1.1% | 31 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $6.9M | 7,619 | 1.1% | 31 |
| ISHARES TR | [TFLO](https://holderbook.com/stocks/TFLO/) | $6.9M | 135,668 | 1.0% | 15 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $6.3M | 46,080 | 0.9% | 31 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $6.3M | 8,461 | 0.9% | 31 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $6.1M | 29,833 | 0.9% | 31 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $5.8M | 16,436 | 0.9% | 23 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $5.8M | 5,414 | 0.9% | 23 |
| ISHARES U S ETF TR | [NEAR](https://holderbook.com/stocks/NEAR/) | $5.6M | 112,608 | 0.9% | 31 |
| SPDR INDEX SHS FDS | [CWI](https://holderbook.com/stocks/CWI/) | $5.3M | 130,684 | 0.8% | 31 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $5.2M | 14,361 | 0.8% | 31 |
| VANGUARD SCOTTSDALE FDS | [VGIT](https://holderbook.com/stocks/VGIT/) | $5.1M | 90,549 | 0.8% | 11 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $5.0M | 14,596 | 0.8% | 31 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $4.6M | 27,601 | 0.7% | 31 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $4.5M | 17,058 | 0.7% | 31 |
| ISHARES TR | [USMV](https://holderbook.com/stocks/USMV/) | $4.4M | 45,269 | 0.7% | 31 |
| J P MORGAN EXCHANGE TRADED F | [JPIE](https://holderbook.com/stocks/JPIE/) | $4.3M | 95,261 | 0.6% | 7 |
| TAIWAN SEMICONDUCTOR MANUFAC | [TSM](https://holderbook.com/stocks/TSM/) | $4.2M | 9,302 | 0.6% | 20 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $4.1M | 37,981 | 0.6% | 31 |
| VANGUARD WHITEHALL FDS | [VYMI](https://holderbook.com/stocks/VYMI/) | $4.0M | 39,556 | 0.6% | 17 |
| ISHARES TR | [IWO](https://holderbook.com/stocks/IWO/) | $3.9M | 10,996 | 0.6% | 31 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $3.9M | 55,095 | 0.6% | 31 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $3.8M | 26,176 | 0.6% | 31 |
| ISHARES TR | [IUSB](https://holderbook.com/stocks/IUSB/) | $3.7M | 84,275 | 0.6% | 22 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $3.6M | 25,254 | 0.5% | 31 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $3.4M | 4,896 | 0.5% | 31 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $3.2M | 20,808 | 0.5% | 31 |
| TRANE TECHNOLOGIES PLC | [TT](https://holderbook.com/stocks/TT/) | $3.1M | 6,878 | 0.5% | 26 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $3.1M | 21,284 | 0.5% | 31 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $3.1M | 13,095 | 0.5% | 31 |
| PALO ALTO NETWORKS INC | [PANW](https://holderbook.com/stocks/PANW/) | $3.0M | 7,446 | 0.4% | 25 |
| VANGUARD INTL EQUITY INDEX F | [VGK](https://holderbook.com/stocks/VGK/) | $2.8M | 31,738 | 0.4% | 20 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $2.8M | 26,479 | 0.4% | 31 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $2.7M | 3,319 | 0.4% | 31 |
| VANGUARD INTL EQUITY INDEX F | [VPL](https://holderbook.com/stocks/VPL/) | $2.7M | 23,134 | 0.4% | 23 |
| GOLDMAN SACHS GROUP INC | [GS](https://holderbook.com/stocks/GS/) | $2.5M | 2,739 | 0.4% | 31 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $2.5M | 3,380 | 0.4% | 31 |
| KLA CORP | [KLAC](https://holderbook.com/stocks/KLAC/) | $2.4M | 12,071 | 0.4% | 15 |
| ISHARES TR | [STIP](https://holderbook.com/stocks/STIP/) | $2.3M | 23,470 | 0.4% | 7 |
| DISNEY WALT CO | [DIS](https://holderbook.com/stocks/DIS/) | $2.3M | 22,266 | 0.4% | 31 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $2.3M | 4,166 | 0.3% | 31 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $2.3M | 27,641 | 0.3% | 31 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $2.3M | 8,149 | 0.3% | 31 |
| EATON CORP PLC | [ETN](https://holderbook.com/stocks/ETN/) | $2.2M | 5,004 | 0.3% | 30 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $2.1M | 9,911 | 0.3% | 18 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $2.1M | 20,585 | 0.3% | 31 |
| ISHARES TR | [IBTH](https://holderbook.com/stocks/IBTH/) | $2.1M | 95,145 | 0.3% | 12 |
| SPDR SERIES TRUST | [CWB](https://holderbook.com/stocks/CWB/) | $2.1M | 20,978 | 0.3% | 31 |
| ISHARES TR | [IBTG](https://holderbook.com/stocks/IBTG/) | $2.1M | 90,074 | 0.3% | 12 |
| SELECT SECTOR SPDR TR | [XLV](https://holderbook.com/stocks/XLV/) | $2.0M | 12,086 | 0.3% | 31 |
| ISHARES TR | [IGIB](https://holderbook.com/stocks/IGIB/) | $2.0M | 40,050 | 0.3% | 8 |
| ISHARES TR | [IWR](https://holderbook.com/stocks/IWR/) | $2.0M | 18,706 | 0.3% | 31 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $2.0M | 5,181 | 0.3% | 31 |
| WW GRAINGER INC | [GWW](https://holderbook.com/stocks/GWW/) | $1.9M | 1,553 | 0.3% | 31 |
| ISHARES TR | [IBDR](https://holderbook.com/stocks/IBDR/) | $1.9M | 79,760 | 0.3% | 10 |
| ISHARES TR | [IBTI](https://holderbook.com/stocks/IBTI/) | $1.9M | 86,465 | 0.3% | 7 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $1.9M | 21,057 | 0.3% | 31 |
| LAM RESEARCH CORP | [LRCX](https://holderbook.com/stocks/LRCX/) | $1.8M | 5,625 | 0.3% | 6 |
| UNION PAC CORP | [UNP](https://holderbook.com/stocks/UNP/) | $1.8M | 6,754 | 0.3% | 31 |
| BLACKROCK INC | [BLK](https://holderbook.com/stocks/BLK/) | $1.8M | 1,730 | 0.3% | 6 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $1.8M | 23,332 | 0.3% | 31 |
| CARLISLE COS INC | [CSL](https://holderbook.com/stocks/CSL/) | $1.8M | 5,650 | 0.3% | 25 |
| AMERIPRISE FINL INC | [AMP](https://holderbook.com/stocks/AMP/) | $1.8M | 3,679 | 0.3% | 31 |
| ECOLAB INC | [ECL](https://holderbook.com/stocks/ECL/) | $1.8M | 6,534 | 0.3% | 31 |
| ISHARES TR | [IBDS](https://holderbook.com/stocks/IBDS/) | $1.8M | 73,360 | 0.3% | 10 |
| ARISTA NETWORKS INC | [ANET](https://holderbook.com/stocks/ANET/) | $1.8M | 8,656 | 0.3% | 7 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $1.8M | 7,983 | 0.3% | 31 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $1.7M | 2,561 | 0.3% | 22 |
| THERMO FISHER SCIENTIFIC INC | [TMO](https://holderbook.com/stocks/TMO/) | $1.7M | 2,533 | 0.3% | 31 |
| CONOCOPHILLIPS | [COP](https://holderbook.com/stocks/COP/) | $1.7M | 13,547 | 0.3% | 31 |
| WISDOMTREE TR | [XSOE](https://holderbook.com/stocks/XSOE/) | $1.7M | 35,393 | 0.3% | 25 |
| TJX COS INC NEW | [TJX](https://holderbook.com/stocks/TJX/) | $1.6M | 12,140 | 0.2% | 31 |
| EMERSON ELEC CO | [EMR](https://holderbook.com/stocks/EMR/) | $1.6M | 10,009 | 0.2% | 31 |
| VERIZON COMMUNICATIONS INC | [VZ](https://holderbook.com/stocks/VZ/) | $1.5M | 33,607 | 0.2% | 31 |
| ISHARES TR | [ACWI](https://holderbook.com/stocks/ACWI/) | $1.5M | 9,567 | 0.2% | 31 |
| ISHARES TR | [ESGU](https://holderbook.com/stocks/ESGU/) | $1.5M | 9,055 | 0.2% | 26 |
| MCKESSON CORP | [MCK](https://holderbook.com/stocks/MCK/) | $1.5M | 1,767 | 0.2% | 31 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $1.5M | 2,294 | 0.2% | 31 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +10.6% | +14.8% | -4.2% | 99% |
| Q1 2026 | -1.6% | -4.6% | +3.0% | 99% |
| Q4 2025 | +1.9% | +2.4% | -0.5% | 99% |
| Q2 2025 | +8.3% | +10.5% | -2.2% | 99% |
| Q1 2025 | -2.4% | -4.6% | +2.1% | 99% |
| Q4 2024 | -0.9% | +2.1% | -3.0% | 99% |
| Q3 2024 | +4.7% | +5.4% | -0.8% | 99% |
| Q2 2024 | +2.9% | +4.0% | -1.2% | 99% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q3 2026 | $660.5M | 272 |
| Q2 2026 | $668.4M | 271 |
| Q1 2026 | $607.3M | 266 |
| Q4 2025 | $627.3M | 265 |
| Q3 2025 | $643.9M | 274 |
| Q1 2025 | $565.0M | 280 |
| Q4 2024 | $577.4M | 275 |
| Q3 2024 | $587.0M | 280 |
| Q2 2024 | $491.6M | 259 |
| Q1 2024 | $500.0M | 264 |
| Q4 2023 | $465.0M | 249 |
| Q3 2023 | $426.7M | 241 |