Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Monterey, CA · FDIC certificate #22460
MONTEREY COUNTY BANK is an FDIC-insured institution based in Monterey, CA (FDIC certificate #22460). In its Q3 2026 Call Report it reported total assets of $301M, total deposits of $245M and net loans of $163M. Its primary federal regulator is FDIC.
Plain-language readout
MONTEREY COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $301M in Q3 2026 and were lowest at $298M in Q1 2026.
Total deposits were highest at $245M in Q3 2026 and lowest at $219M in Q1 2026.
Over the whole period total assets rose 1.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $301M | $245M | $163M | -0.33% | -2.98% | 4.04% |
| Q2 2026 | $300M | $233M | $160M | -0.96% | -8.59% | 3.96% |
| Q1 2026 | $298M | $219M | $149M | 0.05% | 0.42% | 4.03% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $23.3M | $31.7M | -$8.4M | -26.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $79.7M | $78.1M | +$1.6M | +2.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $8.0M | $6.0M | +$2.0M | +33.7% |
| Net loans and leases (after allowance) | $151.7M | $142.8M | +$8.9M | +6.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.6M | $8.6M | -$38K | -0.4% |
| Other real estate owned | $940K | $3.7M | -$2.7M | -74.3% |
| 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) | $9.1M | $9.2M | -$93K | -1.0% |
| All other assets | $19.1M | $17.8M | +$1.3M | +7.6% |
| Total assets | $300.4M | $297.8M | +$2.6M | +0.9% |
| Liabilities | ||||
| Total deposits | $232.6M | $219.2M | +$13.4M | +6.1% |
| 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 | $31.4M | $41.4M | -$10.1M | -24.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.7M | $3.9M | -$220K | -5.6% |
| Total liabilities | $267.6M | $264.5M | +$3.1M | +1.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.8M | $2.8M | $0K | 0.0% |
| Surplus | $37.8M | $37.8M | $0K | 0.0% |
| Retained earnings | -$6.6M | -$5.2M | -$1.4M | -27.9% |
| Accumulated other comprehensive income | -$1.2M | -$2.2M | +$938K | +43.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $32.8M | $33.3M | -$501K | -1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.3M | $3.7M | -$2.3M | -63.7% |
| Adjusted nonperforming assets | $1.3M | $3.7M | -$2.3M | -63.7% |
| Tangible equity plus allowance | $25.6M | $26.0M | -$346K | -1.3% |
| Texas ratio (gross) | 5.20% | 14.13% | -8.93 pts | See points |
| Texas ratio (adjusted) | 5.20% | 14.13% | -8.93 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.20% | 14.13% | -8.93 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) | 8.38% | 8.84% | -0.47 pts | See points |
| Construction and land loans to total capital | 17.43% | 12.09% | +5.34 pts | See points |
| Commercial real estate to total capital | 435.49% | 410.26% | +25.23 pts | See points |
| Dividend payout, year to date | Not reported | 0.00% | Not reported | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.15% | -11.97% | +4.83 pts | See points |
| Liquidity | ||||
| Core deposits | $206.8M | $193.9M | +$12.9M | +6.6% |
| Non-core funding | $57.1M | $66.7M | -$9.6M | -14.4% |
| Loans to core deposits | 74.30% | 74.63% | -0.33 pts | See points |
| Loans to deposits | 66.06% | 66.01% | +0.05 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 81.34% | 97.68% | -16.34 pts | See points |
| Loans pledged, share of loans | 41.15% | 50.14% | -8.98 pts | See points |
| Volatile liabilities | $80.0M | $91.4M | -$11.3M | -12.4% |
| Earnings | ||||
| Earnings before provision, year to date | -$1.2M | $114K | -$1.3M | -1178.1% |
| Earnings before provision, single quarter | -$1.3M | $114K | -$1.5M | -1278.1% |
| Provision for credit losses, year to date | $170K | $73K | +$97K | +132.9% |
| Yield and cost | ||||
| Yield on loans and leases | 7.27% | 7.55% | -0.28 pts | See points |
| Yield on interest-bearing balances due from banks | 3.80% | 2.91% | +0.88 pts | See points |
| Total interest income to average assets | 5.49% | 5.50% | -0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 0.05% | 0.05% | +0.00 pts | See points |
| Cost of savings and money market deposits | 2.20% | 1.94% | +0.26 pts | See points |
| Cost of time deposits | 3.85% | 3.84% | +0.00 pts | See points |
| Total interest expense to average assets | 2.11% | 2.11% | -0.00 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 | $301M | $245M | $163M | -0.33% | -2.98% | 4.04% |
| 2026-06-30 | $300M | $233M | $160M | -0.96% | -8.59% | 3.96% |
| 2026-03-31 | $298M | $219M | $149M | 0.05% | 0.42% | 4.03% |
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 |
|---|---|---|---|---|
| CA | $193.3M | 0.01% | 141 | 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.