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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Monterey, IN · FDIC certificate #4364
FIRST NB OF MONTEREY is an FDIC-insured institution based in Monterey, IN (FDIC certificate #4364). In its Q3 2026 Call Report it reported total assets of $429M, total deposits of $363M and net loans of $255M. Its primary federal regulator is OCC.
Plain-language readout
FIRST NB OF MONTEREY has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $431M in Q2 2026 and were lowest at $429M in Q3 2026.
Total deposits were highest at $380M in Q2 2026 and lowest at $363M in Q3 2026.
Over the whole period total assets fell 0.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $429M | $363M | $255M | 1.14% | 10.17% | 3.11% |
| Q2 2026 | $431M | $380M | $246M | 1.10% | 9.73% | 3.06% |
| Q1 2026 | $430M | $378M | $232M | 1.09% | 9.68% | 2.99% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $17.4M | $31.7M | -$14.4M | -45.2% |
| Federal funds sold | $625K | $780K | -$155K | -19.9% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $148.8M | $148.4M | +$433K | +0.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $246.3M | $232.3M | +$13.9M | +6.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $728K | $754K | -$26K | -3.4% |
| Other real estate owned | $28K | $28K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $16.7M | $15.6M | +$1.1M | +7.1% |
| Total assets | $430.5M | $429.6M | +$929K | +0.2% |
| Liabilities | ||||
| Total deposits | $379.8M | $378.3M | +$1.4M | +0.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $1.0M | -$1.0M | -100.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.1M | $2.1M | -$27K | -1.3% |
| Total liabilities | $381.8M | $381.4M | +$394K | +0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $200K | $200K | $0K | 0.0% |
| Retained earnings | $58.1M | $56.9M | +$1.2M | +2.1% |
| Accumulated other comprehensive income | -$9.8M | -$9.1M | -$646K | -7.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $48.7M | $48.2M | +$535K | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $946K | $1.3M | -$349K | -26.9% |
| Adjusted nonperforming assets | $946K | $1.3M | -$349K | -26.9% |
| Tangible equity plus allowance | $53.4M | $52.9M | +$536K | +1.0% |
| Texas ratio (gross) | 1.77% | 2.45% | -0.68 pts | See points |
| Texas ratio (adjusted) | 1.77% | 2.45% | -0.68 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.19% | 2.88% | -0.69 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.13% | 13.13% | +0.00 pts | See points |
| Construction and land loans to total capital | 2.90% | 2.21% | +0.69 pts | See points |
| Commercial real estate to total capital | 12.77% | 12.27% | +0.50 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -22.04% | -21.01% | -1.03 pts | See points |
| Liquidity | ||||
| Core deposits | $357.9M | $356.9M | +$983K | +0.3% |
| Non-core funding | $21.9M | $22.4M | -$562K | -2.5% |
| Loans to core deposits | 70.13% | 66.42% | +3.71 pts | See points |
| Loans to deposits | 66.09% | 62.66% | +3.43 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 57.83% | 55.95% | +1.89 pts | See points |
| Loans pledged, share of loans | 19.96% | 20.36% | -0.40 pts | See points |
| Volatile liabilities | $21.9M | $22.4M | -$562K | -2.5% |
| Earnings | ||||
| Earnings before provision, year to date | $2.9M | $1.4M | +$1.5M | +102.6% |
| Earnings before provision, single quarter | $1.5M | $1.4M | +$37K | +2.6% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.47% | 6.38% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 3.86% | 2.75% | +1.11 pts | See points |
| Total interest income to average assets | 4.78% | 4.65% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 2.76% | 2.76% | -0.01 pts | See points |
| Cost of savings and money market deposits | 2.09% | 2.04% | +0.05 pts | See points |
| Cost of time deposits | 3.69% | 3.74% | -0.05 pts | See points |
| Total interest expense to average assets | 1.90% | 1.87% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $429M | $363M | $255M | 1.14% | 10.17% | 3.11% |
| 2026-06-30 | $431M | $380M | $246M | 1.10% | 9.73% | 3.06% |
| 2026-03-31 | $430M | $378M | $232M | 1.09% | 9.68% | 2.99% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $371.9M | 0.18% | 64 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.