Side-by-side · Q2 2026 data
Monterey County Bank vs Gateway Bank, F.S.B.
Metric by metric
| Measure | Monterey County Bank | Gateway Bank, F.S.B. |
|---|---|---|
| TellerScore | 54 (stronger) | 49 |
| Capital cushion | 34 | 88 (stronger) |
| Loan quality | 92 (stronger) | 28 |
| Earnings | 0 | 5 (stronger) |
| Funding & liquidity | 75 (stronger) | 50 |
| Problem-loan coverage | 92 (stronger) | 73 |
| Peer percentile | 10th | 6th |
| Total assets | $300.4M | $288.2M |
| Deposits / shares | $232.6M | $204.1M |
| Capital ratio | 8.38% | 13.84% (stronger) |
| Problem loans | 0.24% (stronger) | 2.15% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | -0.96% | -0.36% (stronger) |
| Loans ÷ deposits | 68.7% (stronger) | 119.5% |
| Uninsured deposits | 30.0% | 15.2% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Monterey County Bank has the higher TellerScore (54 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Monterey County Bank leads on 3 and Gateway Bank, F.S.B. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.