BanksMONTEREY COUNTY BANK

MONTEREY COUNTY BANK

MONTEREY, CASmallEst. May 5, 1977, midnightFDIC #22460RSSD #297761FDIC
Latest · 2025-12-31

MONTEREY COUNTY BANK is an 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 4.10%. CET1 capital ratio: 8.36%. NPL ratio: 0.00% · Texas Ratio: 10.78%. Operates 4 domestic branches.

Assets
$283M
Deposits
$208M
Loans
$151M
Equity
$32M

Profitability

Return on Assets (ROA)-0.78%
Return on Equity (ROE)-6.68%
Net Interest Margin4.10%
Yield on Assets6.63%
Cost of Funds2.28%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio-0.01%
Texas Ratio10.78%
NPA Ratio1.29%
ACL / Loans1.19%

Capital & Liquidity

CET1 Ratio8.36%
Tier 1 Capital8.36%
Total Capital Ratio8.78%
Leverage Ratio9.91%
Loan-to-Deposit72.55%

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