The First National Bank of Monterey: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 16.50 percentage points in Q2 2026, from 416.40% to 432.91%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, The First National Bank of Monterey is 48th of 87 on return on assets, 1.06% as of Q2 2026, below the middle of the field. The First National Bank of Monterey reported 1.06% on return on assets for Q2 2026, 0.19 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.13% |
| Equity capital to assets | 11.31% |
| Tangible equity to tangible assets | 11.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.19% |
| Allowance for credit losses to loans | 1.88% |
| Reserve coverage of non-performing loans | 432.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 9.75% |
| Net interest margin | 2.99% |
| Efficiency ratio | 55.88% |
| Yield on earning assets | 4.93% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.09% |
| Core deposits to total deposits | 94.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.21% |
| Securities to assets | 34.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.78% | 0.39% | 2.11% | 0.53% | 0.01% |
| Q4 2023 | 13.56% | 0.36% | 2.04% | 0.52% | -0.06% |
| Q1 2024 | 13.49% | 0.41% | 2.05% | 0.41% | 0.02% |
| Q2 2024 | 13.53% | 0.51% | 2.17% | 0.38% | 0.01% |
| Q3 2024 | 12.77% | 0.54% | 2.17% | 0.32% | -0.01% |
| Q4 2024 | 12.51% | 0.53% | 2.32% | 0.31% | 0.03% |
| Q1 2025 | 12.66% | 0.66% | 2.45% | 0.38% | -0.01% |
| Q2 2025 | 12.64% | 0.83% | 2.60% | 0.27% | -0.00% |
| Q3 2025 | 12.93% | 0.80% | 2.70% | 0.40% | -0.01% |
| Q4 2025 | 12.89% | 1.04% | 2.87% | 0.33% | 0.04% |
| Q1 2026 | 13.13% | 1.06% | 2.90% | 0.48% | -0.01% |
| Q2 2026 | 13.13% | 1.06% | 2.99% | 0.43% | -0.00% |
The First National Bank of Monterey vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Monterey, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Monterey profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4364) · FFIEC NIC profile (RSSD 44040)