Side-by-side · Q2 2026 data
Monterey County Bank vs Bank Irvine
Metric by metric
| Measure | Monterey County Bank | Bank Irvine |
|---|---|---|
| TellerScore | 54 | 79 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 0 | 59 (stronger) |
| Funding & liquidity | 75 (stronger) | 17 |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 10th | 75th |
| Total assets | $300.4M | $305.6M |
| Deposits / shares | $232.6M | $234.7M |
| Capital ratio | 8.38% | 22.76% (stronger) |
| Problem loans | 0.24% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | -0.96% | 0.97% (stronger) |
| Loans ÷ deposits | 68.7% (stronger) | 100.4% |
| Uninsured deposits | 30.0% (stronger) | 53.6% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank Irvine has the higher TellerScore (79 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Monterey County Bank leads on 2 and Bank Irvine on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.