Monterey County Bank: Balance Sheet Growth
Data as of · Derived from Call Report Schedule RC across quarters How we update
How fast the balance sheet is changing, year over year and at an annualized quarterly rate. Rapid loan growth is the most reliable leading indicator of future credit losses, because underwriting standards tend to loosen to hit it.
Net loan growth climbed 31.04 percentage points in Q2 2026, from -1.79% to 29.25%. It was the largest change from Q1 2026 among the key lines here.
Year-over-year growth
| Line item | Q2 2026 |
|---|---|
| Total assets, year over year | 22.32% |
| Total loans, year over year | 45.10% |
| Total deposits, year over year | 20.34% |
Growth measures
| Line item | Q2 2026 |
|---|---|
| Asset growth rate | 3.47% |
| Loan growth rate | 29.05% |
| Deposit growth rate | 24.36% |
| Net loan growth | 29.25% |
| Internal capital growth rate | -17.30% |
Loan growth persistently above internal capital growth has to be funded somewhere, either by raising capital, or by thinning the ratios.
Balance sheet levels
| Line item | Q2 2026 |
|---|---|
| Total assets | $300.4M |
| Total loans and leases | $161.6M |
| Total deposits | $232.6M |
| Total equity capital | $32.8M |
Balance Sheet Growth trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Balance Sheet Growth by quarter
| Quarter | Assets | Loans | Deposits | Total assets | Total loans |
|---|---|---|---|---|---|
| Q3 2023 | -4.64% | -10.46% | -14.35% | $206.9M | $65.4M |
| Q4 2023 | -2.70% | -7.57% | -14.99% | $198.9M | $67.6M |
| Q1 2024 | -3.59% | -1.51% | -7.27% | $197.2M | $67.2M |
| Q2 2024 | -6.92% | 3.24% | -8.30% | $194.9M | $68.4M |
| Q3 2024 | 11.90% | 9.35% | -4.21% | $231.5M | $71.6M |
| Q4 2024 | 13.96% | 26.68% | 3.09% | $226.7M | $85.7M |
| Q1 2025 | 23.58% | 50.27% | 13.51% | $243.7M | $101.0M |
| Q2 2025 | 26.00% | 62.75% | 17.35% | $245.6M | $111.4M |
| Q3 2025 | 11.19% | 70.35% | 16.78% | $257.4M | $121.9M |
| Q4 2025 | 24.86% | 76.61% | 20.95% | $283.0M | $151.3M |
| Q1 2026 | 22.17% | 49.14% | 15.98% | $297.8M | $150.7M |
| Q2 2026 | 22.32% | 45.10% | 20.34% | $300.4M | $161.6M |
Monterey County Bank balance sheet growth, all the way back
Balance Sheet Growth back to 2001 · peer percentiles on every line item · Excel export
Unlock Monterey County Bank, freeSource: Derived from Call Report Schedule RC across quarters, 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 Monterey County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22460) · FFIEC NIC profile (RSSD 297761)