Monterey County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Monterey County Bank of Monterey, CA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.94% | 1.35% | -3.29% | 1st bottom |
| ROAE | -17.43% | 13.32% | -30.75% | 1st bottom |
| Net Interest Margin | 3.80% | 3.93% | -0.13% | 42nd below |
| Efficiency Ratio | 140.74% | 61.12% | +79.62% | 1st bottom |
| PPNR / Avg Assets | -1.81% | 1.68% | -3.49% | 1st bottom |
| Yield on Earning Assets | 6.20% | 5.67% | +0.53% | 77th top |
| Cost of Funds | 2.41% | 1.88% | +0.53% | 18th bottom |
| Net Interest Spread | 3.40% | 3.32% | +0.08% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.31% | 0.70% | -0.39% | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.28% | -0.08% | 50th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.20% | 7.33% | -2.13% | 40th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 747.62% | 1395.78% | -648.16% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.38% | 12.14% | -3.76% | 5th bottom |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.91% | 11.37% | -0.46% | 58th above |
| TCE / Tangible Assets | 8.14% | 11.09% | -2.95% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.49% | 80.64% | -11.15% | 71st above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.91% | 86.86% | +2.05% | 49th below |
| Wholesale Funding Ratio | 10.44% | 5.03% | +5.41% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 22.32% | 6.85% | +15.47% | 96th top |
| Loan Growth (Y/Y) | 45.10% | 7.89% | +37.21% | 98th top |
| Deposit Growth (Y/Y) | 20.34% | 6.28% | +14.06% | 95th top |
See Monterey County Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Monterey County Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Monterey County Bank profile, how to read a UBPR, or how this data updates.