The First National Bank of Monterey
Monterey, IN
IDRSSD: 44040
Total Assets
$415.50M
Latest filing
Total Deposits
$361.31M
Latest filing
Net Interest Margin
2.82%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Monterey
6222 E Main St
Monterey, IN 46960
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/01/1910FDIC Certificate 2870
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Monterey (Main) | 6222 E Main St | Monterey, IN |
| WINAMAC BRANCH | 556 North Us 35 | Winamac, IN |
| CULVER BRANCH | 1049 N Lake Shore Dr | Culver, IN |
| NORTH JUDSON BRANCH | 902 W Talmer Ave | North Judson, IN |
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 08/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 46960 |
| State and County Number | 18131 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 42 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbmonterey.com |
| Data Updated | 11/14/2025 |
| CERT | 4364 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $415.50M |
| Total Deposits | $361.31M |
| Total Liabilities | $369.41M |
| Total Equity Capital | $46.10M |
| Net Income | $861.00k |
| Net Loans and Leases | $235.69M |
| Assets Per Employee ($Millions) | $10.13M |
| Bank Premises and Fixed Assets | $826.00k |
| Cash and Balances due from Depository Institutions | $10.59M |
| Deposits Held in Domestic Offices | $361.31M |
Key Performance Ratios
| Return on Assets (ROA) | 0.83% |
| Return on Equity (ROE) | 7.84% |
| Net Interest Margin | 2.82% |
| Efficiency Ratio | 64.78% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.094% |
| Earning Assets to total Assets | 95.23% |
Income and Expense
| Total Interest Income | $5.05M |
| Total Noninterest Income | $196.00k |
| Total Interest Expense | $2.27M |
| Total Noninterest Expense | $1.93M |
| Net Interest Income | $2.79M |
| Pre-tax Net Operating Income | $1.05M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $6.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $616.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.10M |
| Total Liabilities and Capital | $415.50M |
Securities
| Securities | $150.72M |
| Available-for-sale debt securities | $150.72M |
| 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 The First National Bank of Monterey?
$415.50M as of the latest filing.
How much are The First National Bank of Monterey's total deposits?
$361.31M in total deposits.
Where is The First National Bank of Monterey located?
Monterey, IN.
What is the Net Interest Margin?
2.82%.
How many domestic offices does it operate?
4.
When was it established?
08/01/1910.
What is the Return on Assets (ROA)?
0.83%.
How much are total loans and leases?
$235.69M (latest filing).
What is the total interest income (latest filing)?
$5.05M.