Monterey County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Efficiency ratio: 52.69 percentage points higher than in Q1 2026, at 140.74%. On return on assets, Monterey County Bank is 5th from the bottom among 114 California banks, -1.94% (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).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 8.38% |
| Equity capital to assets | 10.91% |
| Tangible equity to tangible assets | 8.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 5.20% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.94% |
| Return on equity | -17.43% |
| Net interest margin | 3.80% |
| Efficiency ratio | 140.74% |
| Yield on earning assets | 6.20% |
| Cost of funds | 2.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.49% |
| Core deposits to total deposits | 88.91% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.42% |
| Securities to assets | 26.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.51% | 15.51% | 16.80% | 8.63% | 1.22% |
| Q4 2023 | 16.21% | 16.21% | 17.48% | 9.18% | -1.98% |
| Q1 2024 | 15.50% | 15.50% | 16.75% | 9.11% | -0.97% |
| Q2 2024 | 15.17% | 15.17% | 16.42% | 8.99% | -1.19% |
| Q3 2024 | — | — | — | 12.81% | 1.76% |
| Q4 2024 | — | — | — | 10.25% | -2.38% |
| Q1 2025 | — | — | — | 10.64% | -2.03% |
| Q2 2025 | — | — | — | 10.00% | -1.89% |
| Q3 2025 | — | — | — | 10.35% | -1.18% |
| Q4 2025 | — | — | — | 9.20% | -0.80% |
| Q1 2026 | — | — | — | 8.84% | 0.05% |
| Q2 2026 | — | — | — | 8.38% | -1.94% |
Monterey County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Monterey County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and 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)