Side-by-side · Q2 2026 data
Monterey County Bank vs Capital Bank and Trust Company
Metric by metric
| Measure | Monterey County Bank | Capital Bank and Trust Company |
|---|---|---|
| TellerScore | 54 | 94 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 61 |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 10th | 98th |
| Total assets | $300.4M | $266.1M |
| Deposits / shares | $232.6M | $500K |
| Capital ratio | 8.38% | 79.26% (stronger) |
| Problem loans | 0.24% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | -0.96% | 81.14% (stronger) |
| Loans ÷ deposits | 68.7% | 0.0% (stronger) |
| Uninsured deposits | 30.0% (stronger) | 50.0% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capital Bank and Trust Company has the higher TellerScore (94 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Monterey County Bank leads on 1 and Capital Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.