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Monterey County Bank

IDRSSD: 297761
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2023-Q4QoQ -18

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #297761 2023-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Risk

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.72% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 42.3% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -18 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -45
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -3
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.5%, cash 8.6% of assets.

Cash / Assets
8.57%
Loans / Deposits
39.48%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +9
97
Sub-score

Capital position is strong: Tier 1 RBC 16.64%, CET1 16.64%, leverage 9.39%.

Tier 1 RBC
16.64%
CET1
16.64%
Leverage
9.39%
No watch items at this period.

Asset Quality

WatchQoQ -45
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.72%, Texas Ratio 16.8%, NCO YTD 0.09%.

Adjusted NPL
5.72%
Govt-guarantees stripped
Texas Ratio
16.8%
NCO YTD
0.09%
30-89 PD
1.99%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.72% (govt-guarantees stripped).

Reserves

Risk
39
Sub-score

Reserves are weak: ALLL 2.36% of loans, coverage 42.3%, true coverage 42.3%.

ALLL / Loans
2.36%
Coverage
42.3%
True Loss Coverage
42.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.3% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 03:57:34 UTC