Side-by-side · Q2 2026 data
Monterey County Bank vs Mission National Bank
Metric by metric
| Measure | Monterey County Bank | Mission National Bank |
|---|---|---|
| TellerScore | 54 | 74 (stronger) |
| Capital cushion | 34 | 89 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 0 | 18 (stronger) |
| Funding & liquidity | 75 (stronger) | 60 |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 10th | 57th |
| Total assets | $300.4M | $276.4M |
| Deposits / shares | $232.6M | $237.1M |
| Capital ratio | 8.38% | 13.94% (stronger) |
| Problem loans | 0.24% | 0.00% (stronger) |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | -0.96% | -0.05% (stronger) |
| Loans ÷ deposits | 68.7% (stronger) | 97.9% |
| Uninsured deposits | 30.0% | 17.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mission National Bank has the higher TellerScore (74 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Monterey County Bank leads on 1 and Mission National Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.