Headquartered in Monterey, California, Monterey County Bank is a state-chartered bank with $300.4M in total assets and $232.6M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1977.
Based on its Q2 2026 filing, Monterey County Bank scores 54/100, which we describe as below average. That is higher than only 10% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 102nd. Its strongest component is loan quality (92/100; 0.24%), and its lowest is earnings (0/100; -0.96%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (50 → 54), mostly because the loan quality component improved by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 27 |
| Q3 2024 | 45 |
| Q4 2024 | 49 |
| Q1 2025 | 52 |
| Q2 2025 | 50 |
| Q3 2025 | 62 |
| Q4 2025 | 57 |
| Q1 2026 | 61 |
| Q2 2026 | 54 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.99% |
| Q3 2024 | 12.81% |
| Q4 2024 | 10.25% |
| Q1 2025 | 10.64% |
| Q2 2025 | 10.00% |
| Q3 2025 | 10.35% |
| Q4 2025 | 9.20% |
| Q1 2026 | 8.84% |
| Q2 2026 | 8.38% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 6.15% |
| Q3 2024 | 5.88% |
| Q4 2024 | 1.54% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.22% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.24% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.20% |
| Q3 2024 | -0.11% |
| Q4 2024 | -0.74% |
| Q1 2025 | -1.97% |
| Q2 2025 | -1.91% |
| Q3 2025 | -1.66% |
| Q4 2025 | -1.41% |
| Q1 2026 | 0.05% |
| Q2 2026 | -0.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $300.4M | 8.38% | 0.24% | -0.96% | 68.7% |
| Q1 2026 | 61 | $297.8M | 8.84% | 0.01% | 0.05% | 67.9% |
| Q4 2025 | 57 | $283.0M | 9.20% | 0.00% | -1.41% | 71.7% |
| Q3 2025 | 62 | $257.4M | 10.35% | 0.00% | -1.66% | 60.0% |
| Q2 2025 | 50 | $245.6M | 10.00% | 1.22% | -1.91% | 56.9% |
| Q1 2025 | 52 | $243.7M | 10.64% | 1.22% | -1.97% | 52.8% |
| Q4 2024 | 49 | $226.7M | 10.25% | 1.54% | -0.74% | 46.8% |
| Q3 2024 | 45 | $231.5M | 12.81% | 5.88% | -0.11% | 40.7% |
| Q2 2024 | 27 | $194.9M | 8.99% | 6.15% | -1.20% | 40.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank IrvineBank Irvine, CA | 79 out of 100, Strong | $305.6M | 22.8% | 0.00% | vs |
| Gateway Bank, F.S.B.Bank Oakland, CA | 49 out of 100, Below average | $288.2M | 13.8% | 2.15% | vs |
| Mission National BankBank San Francisco, CA | 74 out of 100, Strong | $276.4M | 13.9% | 0.00% | vs |
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Summit BankBank Oakland, CA | 57 out of 100, Moderate | $264.4M | 16.4% | 1.48% | vs |
| Genesis BankBank Newport Beach, CA | 58 out of 100, Moderate | $340.3M | 11.0% | 0.04% | vs |
Deposit insurance
Is my money safe at Monterey County Bank?
Yes. Monterey County Bank is an FDIC-insured institution (FDIC certificate #22460). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.0% of deposits ($69.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.38%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Monterey County Bank lists 4 offices in 4 cities. Most locations:
- Carmel Rancho, CA (1)
- Monterey, CA (1)
- Pacific Grove, CA (1)
- Salinas, CA (1)
Identity & history
Profile
- Legal name
- Monterey County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 22460
- RSSD ID
- 297761
- Primary regulator
- FDIC
- Holding company
- Pcb Financial Inc
- Established
- May 5, 1977
- Headquarters
- 601 Munras Ave, Monterey, CA 93940
- Website
- montereycountybank.com
- Employees
- 43
Quick answers
Monterey County Bank: common questions
Is Monterey County Bank FDIC insured?
Yes. Monterey County Bank is an FDIC-insured institution (FDIC certificate #22460). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Monterey County Bank's TellerScore?
54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Monterey County Bank ever failed?
There is no failure record for FDIC certificate #22460 in the FDIC failed bank list.
How many branches does Monterey County Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Monterey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West Coast Community BankBank Santa Cruz, CA | 75 out of 100, Strong | $2.9B | 12.0% | 0.50% | vs |
| Pacific Valley BankBank Salinas, CA | 70 out of 100, Strong | $653.3M | 12.6% | 0.24% | vs |
| Navy Federal Credit UnionCredit union Vienna, VA | 66 out of 100, Moderate | $204.4B | 11.7% | 1.58% | vs |
| Mechanics BankBank Walnut Creek, CA | 65 out of 100, Moderate | $21.2B | 9.4% | 0.41% | vs |
| UMB Bank, National AssociationBank Kansas City, MO | 65 out of 100, Moderate | $71.9B | 8.9% | 0.34% | vs |
| Fifth Third Bank, National AssociationBank Cincinnati, OH | 62 out of 100, Moderate | $299.2B | 10.0% | 0.84% | vs |