Side-by-side · Q2 2026 data
First National Bank vs The First National Bank of Monterey
Metric by metric
| Measure | First National Bank | The First National Bank of Monterey |
|---|---|---|
| TellerScore | 61 | 81 (stronger) |
| Capital cushion | 45 | 81 (stronger) |
| Loan quality | 77 | 88 (stronger) |
| Earnings | 37 | 64 (stronger) |
| Funding & liquidity | 79 | 83 (stronger) |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 20th | 80th |
| Total assets | $418.5M | $430.5M |
| Deposits / shares | $383.1M | $379.8M |
| Capital ratio | 9.50% | 13.13% (stronger) |
| Problem loans | 0.70% | 0.37% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 0.42% | 1.10% (stronger) |
| Loans ÷ deposits | 58.5% (stronger) | 64.8% |
| Uninsured deposits | 34.0% | 25.7% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
The First National Bank of Monterey has the higher TellerScore (81 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 1 and The First National Bank of Monterey on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.