Side-by-side · Q2 2026 data
Monterey County Bank vs Genesis Bank
Metric by metric
| Measure | Monterey County Bank | Genesis Bank |
|---|---|---|
| TellerScore | 54 | 58 (stronger) |
| Capital cushion | 34 | 60 (stronger) |
| Loan quality | 92 | 99 (stronger) |
| Earnings | 0 | 10 (stronger) |
| Funding & liquidity | 75 (stronger) | 22 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 10th | 16th |
| Total assets | $300.4M | $340.3M |
| Deposits / shares | $232.6M | $292.4M |
| Capital ratio | 8.38% | 11.01% (stronger) |
| Problem loans | 0.24% | 0.04% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | -0.96% | -0.24% (stronger) |
| Loans ÷ deposits | 68.7% (stronger) | 88.1% |
| Uninsured deposits | 30.0% (stronger) | 60.4% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Genesis Bank has the higher TellerScore (58 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Monterey County Bank leads on 2 and Genesis Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.