Side-by-side · Q2 2026 data
Monterey County Bank vs Summit Bank
Metric by metric
| Measure | Monterey County Bank | Summit Bank |
|---|---|---|
| TellerScore | 54 | 57 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 92 (stronger) | 51 |
| Earnings | 0 | 0 |
| Funding & liquidity | 75 (stronger) | 35 |
| Problem-loan coverage | 92 (stronger) | 88 |
| Peer percentile | 10th | 14th |
| Total assets | $300.4M | $264.4M |
| Deposits / shares | $232.6M | $207.6M |
| Capital ratio | 8.38% | 16.37% (stronger) |
| Problem loans | 0.24% (stronger) | 1.48% |
| Net charge-offs | 0.03% (stronger) | 0.72% |
| Return on assets | -0.96% (stronger) | -3.45% |
| Loans ÷ deposits | 68.7% (stronger) | 92.2% |
| Uninsured deposits | 30.0% (stronger) | 45.1% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Summit Bank has the higher TellerScore (57 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Monterey County Bank leads on 5 and Summit Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.