Bank Safety Analysis
Is Monterey County Bank Safe? Monterey, California
Based on its Q2 2026 call report, Monterey County Bank is inside the community bank leverage ratio grace band, its Texas ratio is 5.20%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of Monterey County Bank and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 call report: Leverage ratio of 8.38% is within the CBLR grace band (8 to 9%) but below the 9% threshold.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 8.38%
- Texas ratio (Q2 2026): 5.20%
- Noncurrent loans ratio (Q2 2026): 0.24%
Monterey County Bank is an FDIC-insured commercial bank (FDIC Certificate #22460). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Monterey County Bank is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: commercial real estate to capital. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in return on assets: 1.98 percentage points lower than in Q1 2026, at -1.94%. Monterey County Bank has the 4th lowest leverage ratio of the 113 banks headquartered in California, at 8.38% as of Q2 2026. Monterey County Bank reported 8.38% on leverage ratio for Q2 2026, 2.58 points below the 10.95% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Monterey County Bank's CET1 ratio ranged between 15.17% (Q2 2024) and 16.21% (Q4 2023) and its Texas ratio ranged between 5.20% (Q2 2026) and 375.26% (Q3 2023). Between Q2 2025 and Q2 2026, Monterey County Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.22% to 0.24%, Texas ratio fell from 20.79% to 5.20% and return on assets fell from -1.89% to -1.94%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
Leverage ratio of 8.38% is within the CBLR grace band (8 to 9%) but below the 9% threshold.
Tier 1 leverage of 8.38% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.24% are within industry-normal range.
Texas Ratio of 5.2% is well below the 100% historical failure threshold.
Efficiency ratio of 140.7% suggests significant cost-to-revenue challenges.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 5.20% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.24% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 69.49% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 435.49% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 4 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2024 | 15.17% |
| Q1 2024 | 15.50% |
| Q4 2023 | 16.21% |
| Q3 2023 | 15.51% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 5.20% |
| Q1 2026 | 14.13% |
| Q4 2025 | 14.79% |
| Q3 2025 | 15.65% |
| Q2 2025 | 20.79% |
| Q1 2025 | 19.69% |
| Q4 2024 | 18.25% |
| Q3 2024 | 31.88% |
| Q2 2024 | 233.39% |
| Q1 2024 | 208.35% |
| Q4 2023 | 182.45% |
| Q3 2023 | 375.26% |
Monterey County Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 0.24% | 5.20% | -1.94% |
| Mar 31, 2026 | — | 0.01% | 14.13% | 0.05% |
| Dec 31, 2025 | — | 0.00% | 14.79% | -0.80% |
| Sep 30, 2025 | — | 0.00% | 15.65% | -1.18% |
| Jun 30, 2025 | — | 1.22% | 20.79% | -1.89% |
| Mar 31, 2025 | — | 1.22% | 19.69% | -2.03% |
| Dec 31, 2024 | — | 1.54% | 18.25% | -2.38% |
| Sep 30, 2024 | — | 5.88% | 31.88% | 1.76% |
| Jun 30, 2024 | 15.17% | 6.15% | 233.39% | -1.19% |
| Mar 31, 2024 | 15.50% | 5.60% | 208.35% | -0.97% |
| Dec 31, 2023 | 16.21% | 5.59% | 182.45% | -1.98% |
| Sep 30, 2023 | 15.51% | 5.81% | 375.26% | 1.22% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Monterey County Bank FDIC insured?
Yes. Monterey County Bank is an FDIC-insured commercial bank (FDIC Certificate #22460). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Monterey County Bank well capitalized?
On its Q2 2026 call report: Leverage ratio of 8.38% is within the CBLR grace band (8 to 9%) but below the 9% threshold.
What are Monterey County Bank's key safety ratios?
For Q2 2026, Monterey County Bank reports leverage 8.38%, Texas ratio 5.20%, noncurrent loans 0.24%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Monterey County Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows Monterey County Bank’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 22460) · FFIEC NIC profile (RSSD 297761)
Explore: Full Monterey County Bank profile · Other banks in CA · Metric glossary · How the call report works