Monterey County Bank
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Data as of · sourced from FFIEC call reports. How we update
Monterey County Bank is an FDIC-insured commercial bank headquartered in Monterey, CA, established in 1977 (FDIC certificate 22460), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $300.4M, up 22.3% from Q2 2025, the 92nd largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.38% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22460
- Headquarters
- Monterey, CA
- Established
- 1977
- Total assets, Q2 2026
- $300.4M
- Assets vs Q2 2025
- +22.3%
- Tier 1 leverage ratio, Q2 2026
- 8.38%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 121136808
- Holding company
- NORTHERN CALIFORNIA BANCORP, INC.
- Asset rank in state
- 92nd of 113 in California
Monterey County Bank spends more to run itself than most banks of its size. Based in Monterey, California, it had $300 million in assets at June 30, 2026, up 22.3% from a year earlier. It loses about $1.94 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 141 cents to bring in each dollar of revenue, 2.3 times the median of 61 cents for banks its size.
It lost $1.4 million in the quarter. Over the same year, loans grew 45.1% and deposits grew 20.3%. Where it has less room is capital: it funds 8.38% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Monterey County Bank reported a return on assets of -1.94%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 5.20%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Monterey County Bank is the 92nd largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.9% to $300.4M, loans rose 7.3% and deposits rose 6.1%. Non-owner-occupied commercial real estate loans made up 58.4% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 15.0%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in CA; its Monterey office books 62% of its branch deposits. On its Q2 2026 call report, Monterey County Bank is inside the community bank leverage ratio grace band.
Headquarters Profile
- Address
- 601 Munras Ave, Monterey, CA 93940
- County
- Monterey
- Metro Area
- Salinas, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 5, 1977
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $232.6M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $297.3M
- Average total loans
- $162.9M
- Average interest-bearing deposits
- $180.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 5, 1977
- FDIC Cert
- 22460
- Fed RSSD
- 297761
- SEC CIK
- 2002066 → filed by PCB FINANCIAL, INC.
- Website
- http://montereycountybank.com →
- Parent Holding Company
- NORTHERN CALIFORNIA BANCORP, INC. (RSSD 2349888)
- Ultimate Parent
- PCB FINANCIAL, INC. (RSSD 5900516)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Monterey County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Monterey County Bank's total assets ran between $194.9M (Q2 2024) and $300.4M (Q2 2026), and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$300.4M total assets against $245.6M; $267.6M total liabilities against $218.3M.
$159.7M net loans and leases against $110.0M; $232.6M total deposits against $193.3M.
$79.7M securities against $75.0M; $23.3M cash and balances due against $21.3M.
$4.1M total interest income against $3.1M; $1.6M total interest expense against $1.2M.
$2.5M net interest income against $1.9M.
$103K total noninterest income against $186K; $4.0M total noninterest expense against $3.1M.
$97K provision for credit losses against $169K.
-$1.4M net income against -$1.1M.
-1.94% return on assets against -1.89%; 3.80% net interest margin against 3.70%.
8.38% tier 1 leverage ratio against 10.00%.
Inside the full Monterey County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Monterey County Bank rankings
Its closest position to the top of a national ranking is 1,289 of 3,640, for Texas Ratio; its furthest is 3,598 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.38% (Q4 2024) to 1.76% (Q3 2024) and its net interest margin ran from 3.43% (Q1 2025) to 4.11% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.38% | -1.94% | 0.24% | 5.20% | 3.80% |
| Q1 2026 | 8.84% | 0.05% | 0.01% | 14.13% | 3.91% |
| Q4 2025 | 9.20% | -0.80% | 0.00% | 14.79% | 4.11% |
| Q3 2025 | 10.35% | -1.18% | 0.00% | 15.65% | 4.07% |
| Q2 2025 | 10.00% | -1.89% | 1.22% | 20.79% | 3.70% |
| Q1 2025 | 10.64% | -2.03% | 1.22% | 19.69% | 3.43% |
| Q4 2024 | 10.25% | -2.38% | 1.54% | 18.25% | 3.48% |
| Q3 2024 | 12.81% | 1.76% | 5.88% | 31.88% | — |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Monterey County Bank (main office) | Monterey , CA | 93940 | $145.0M |
| Pacific Grove Branch | Pacific Grove , CA | 93950 | $33.3M |
| Carmel Rancho Branch | Carmel Rancho , CA | 93923 | $30.4M |
| Salinas Branch | Salinas , CA | 93901 | $23.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- October 29, 2010, Federal Reserve: Written Agreement: Northern California Bancorp, Inc., Monterey, California
- Period: Most recent institution action October 29, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 131 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 12 loans, $11.5M approved, $956K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Monterey County Bank
What are Monterey County Bank's total assets?
As of the Q2 2026 filing, Monterey County Bank reported total assets of $300.4 million in its FFIEC call report.
Where is Monterey County Bank headquartered?
It is headquartered in Monterey, CA, United States.
When was Monterey County Bank founded?
It was established in 1977, per the FDIC institution directory.
Is Monterey County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22460). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Monterey County Bank?
Monterey County Bank's primary federal regulator is the FDIC.
How many branches does Monterey County Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Monterey County Bank's Texas Ratio?
Its Texas Ratio is 5.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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