Side-by-side · Q2 2026 data
Community State Bank vs The First National Bank of Monterey
Metric by metric
| Measure | Community State Bank | The First National Bank of Monterey |
|---|---|---|
| TellerScore | 70 | 81 (stronger) |
| Capital cushion | 55 | 81 (stronger) |
| Loan quality | 88 | 88 |
| Earnings | 45 | 64 (stronger) |
| Funding & liquidity | 89 (stronger) | 83 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 43rd | 80th |
| Total assets | $175.9M | $430.5M |
| Deposits / shares | $160.6M | $379.8M |
| Capital ratio | 10.48% | 13.13% (stronger) |
| Problem loans | 0.37% | 0.37% (stronger) |
| Net charge-offs | 0.36% | -0.00% (stronger) |
| Return on assets | 0.62% | 1.10% (stronger) |
| Loans ÷ deposits | 59.0% (stronger) | 64.8% |
| Uninsured deposits | 25.4% (stronger) | 25.7% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Monterey has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 2 and The First National Bank of Monterey on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.