Branch Network
Monterey County Bank Locations & Branches Monterey, California
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Monterey County Bank operates 4 branches from its headquarters in Monterey, CA, .
Monterey County Bank branch network
All 4 branches are in CALIFORNIA, across 4 cities. Its largest office by deposits is its main office in Monterey, CA, with $145.0M (62.3% of its branch deposits). It had the same number of branches on June 30, 2025.
Monterey County Bank at a glance
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.
- Total assets, Q2 2026
- $300.4M
- Tier 1 leverage ratio, Q2 2026
- 8.38%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1977
Full financial profile · Is Monterey County Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Monterey, CA (1 branch) | 6 of 10 | 6.1% | $145.0M |
| State: CA (4 branches) | 131 of 164 | <0.1% | $232.6M |
Ranked by total assets among banks headquartered in the state: Largest banks in California.
Share by county and metro area
Monterey County Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Monterey, CA (4 branches) | 9 of 13 | 2.0% | $232.6M | $11.81B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Salinas, CA (4 branches) | 9 of 13 | 2.0% | $232.6M | $11.81B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 22460) · FFIEC NIC profile (RSSD 297761)