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Monterey County Bank
Monterey, CA · FDIC Certificate #22460 · Chartered 05/0
Total assets
$300.38M
Total deposits
$232.56M
Total equity
$32.77M
Net loans
$159.68M
Branches (offices)
4
Net income (YTD)
-$1.41M
Rank: #2,465 of 4,213 U.S. banks by assets · #93 of 115 in California. Assets changed 22.3% and deposits 20.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.96% |
| Return on equity | -8.59% |
| Net interest margin (YTD) | 3.96% |
| Equity to assets | 10.91% |
| Tier 1 leverage ratio | 8.38% |
| Uninsured deposits (share of deposits) | 30.0% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 68.7% |
| Real estate loans (share of loans) | 94.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $151.25M | 94.7% | |
| Commercial & industrial | $11.14M | 7.0% | |
| Consumer / individual | $32.00K | 0.0% | |
| Construction & development | $4.53M | 2.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $210.62M | $198.21M | $2.30M | $8.79M |
| Jun 2023 | $209.38M | $179.58M | $325.00K | $5.75M |
| Jun 2024 | $194.89M | $164.68M | -$1.18M | $5.18M |
| Jun 2025 | $245.56M | $193.25M | -$2.28M | $27.29M |
| Jun 2026 | $300.38M | $232.56M | -$1.41M | $32.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $232.56M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $232.56M.
Similar-sized banks
Llano National Bank ($301.10M) · West Union Bank ($300.34M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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