MONTEREY COUNTY BANK

MONTEREY, CA | Small | Est. May 5, 1977, midnight | FDIC #22460 | RSSD #297761 | FDIC
Latest Report: 2025-12-31

MONTEREY COUNTY BANK is asn small FDIC-insured commercial bank headquartered in MONTEREY, CA, established in May 5, 1977, midnight. As of 2025-12-31, the bank reported total assets of $283M and total deposits of $208M. Profitability stands at -0.78% ROA and -6.68% ROE, with a net interest margin of 3.48%. The bank's CET1 capital ratio is 6.80%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 10.78%. FDIC Certificate #22460.

Assets

$283M

Deposits

$208M

Loans

$151M

Equity

$32M

Profitability

Return on Assets (ROA) -0.78%
Return on Equity (ROE) -6.68%
Net Interest Margin (NIM) 3.48%
Yield on Assets 5.63%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 2.69%
Texas Ratio 10.78%
NPA Ratio 1.29%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 6.80%
Tier 1 Capital 6.80%
Total Capital Ratio 7.14%
Leverage Ratio 9.91%
Loan-to-Deposit 72.55%

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