Monterey County Bank
Monterey, CA
IDRSSD: 297761
Total Assets
$257.40M
Latest filing
Total Deposits
$200.89M
Latest filing
Net Interest Margin
4.15%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Monterey County Bank
601 Munras Ave
Monterey, CA 93940
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/05/1977FDIC Certificate 15655
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Monterey County Bank (Main) | 601 Munras Ave | Monterey, CA |
| CARMEL RANCHO BRANCH | 3785 Via Nona Marie | Carmel Rancho, CA |
| PACIFIC GROVE BRANCH | 542 Lighthouse Ave | Pacific Grove, CA |
| SALINAS BRANCH | 1127 S Main St | Salinas, CA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/05/1977 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 93940 |
| State and County Number | 06053 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Salinas, CA |
Operational Info
| Number of Employees | 45 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/20/2024 |
| Date of Deposit Insurance | 05/05/1977 |
| Primary Insurance Agency | DIF |
| Website | http://montereycountybank.com |
| Data Updated | 11/14/2025 |
| CERT | 22460 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $257.40M |
| Total Deposits | $200.89M |
| Total Liabilities | $226.19M |
| Total Equity Capital | $31.21M |
| Net Income | $-744,000 |
| Net Loans and Leases | $120.47M |
| Assets Per Employee ($Millions) | $6.43M |
| Bank Premises and Fixed Assets | $8.49M |
| Cash and Balances due from Depository Institutions | $20.88M |
| Deposits Held in Domestic Offices | $200.89M |
Key Performance Ratios
| Return on Assets (ROA) | -1.18% |
| Return on Equity (ROE) | -10.17% |
| Net Interest Margin | 4.15% |
| Efficiency Ratio | 121.68% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.126% |
| Earning Assets to total Assets | 84.88% |
Income and Expense
| Total Interest Income | $3.44M |
| Total Noninterest Income | $137.00k |
| Total Interest Expense | $1.24M |
| Total Noninterest Expense | $2.94M |
| Net Interest Income | $2.20M |
| Pre-tax Net Operating Income | $-744,000 |
| Provision for Credit Losses | $146.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $3.65M |
| Other borrowed funds | $21.32M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.98M |
| Total Liabilities and Capital | $257.40M |
Securities
| Securities | $77.87M |
| Available-for-sale debt securities | $77.87M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Monterey County Bank?
$257.40M as of the latest filing.
How much are Monterey County Bank's total deposits?
$200.89M in total deposits.
Where is Monterey County Bank located?
Monterey, CA.
What is the Net Interest Margin?
4.15%.
How many domestic offices does it operate?
4.
When was it established?
05/05/1977.
What is the Return on Assets (ROA)?
-1.18%.
How much are total loans and leases?
$120.47M (latest filing).
What is the total interest income (latest filing)?
$3.44M.