Monterey County Bank: Income and Expense
Data as of · Call Report Schedule RI How we update
The income statement as filed: what the bank earned in interest and fees, what it paid out, and what fell to the bottom line. Every dollar amount on this page is the quarter's own figure, not a year-to-date running total. The year-to-date view is on the profile page.
Efficiency ratio climbed 52.69 percentage points in Q2 2026, from 88.05% to 140.74%. It was the largest change from Q1 2026 among the key lines here. Monterey County Bank has the 5th lowest return on assets of the 114 banks headquartered in California, at -1.94% as of Q2 2026. Monterey County Bank's return on assets of -1.94% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 3.19 points (Q2 2026).
Net income
| Line item | Q2 2026 |
|---|---|
| Net income | -$1.4M |
| Return on assets | -1.94% |
| Return on equity | -17.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.2M |
| Net interest margin | 3.80% |
Noninterest income and expense
| Line item | Q2 2026 |
|---|---|
| Total noninterest expense | $4.0M |
| Salaries and general administrative expense | $1.7M |
| Amortization of intangibles | $130K |
| Other noninterest expense | $2.2M |
| Efficiency ratio | 140.74% |
Productivity
| Line item | Q2 2026 |
|---|---|
| Assets per employee | $7.0M |
| Revenue per employee | $243K |
| Full-time equivalent employees | 43 |
Credit costs and securities results
| Line item | Q2 2026 |
|---|---|
| Provision for credit losses | $97K |
| Provision expense to average assets | 0.11% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q3 2023 | $699K | 1.22% | 67.70% | 69.75% |
| Q4 2023 | -$1.1M | -1.98% | -94.43% | 215.36% |
| Q1 2024 | -$537K | -0.97% | -34.06% | 138.78% |
| Q2 2024 | -$644K | -1.19% | -46.96% | 149.92% |
| Q3 2024 | $1.0M | 1.76% | 20.24% | 155.92% |
| Q4 2024 | -$1.4M | -2.38% | -17.42% | 126.11% |
| Q1 2025 | -$1.2M | -2.03% | -15.84% | 140.00% |
| Q2 2025 | -$1.1M | -1.89% | -15.79% | 134.21% |
| Q3 2025 | -$744K | -1.18% | -10.17% | 116.41% |
| Q4 2025 | -$529K | -0.80% | -6.68% | 98.99% |
| Q1 2026 | $34K | 0.05% | 0.42% | 88.05% |
| Q2 2026 | -$1.4M | -1.94% | -17.43% | 140.74% |
Monterey County Bank income and expense, all the way back
Income and Expense back to 2001 · peer percentiles on every line item · Excel export
Unlock Monterey County Bank, freeSource: Call Report Schedule 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 Monterey County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22460) · FFIEC NIC profile (RSSD 297761)