Side-by-side · Q2 2026 data
The Bippus State Bank vs The First National Bank of Monterey
Metric by metric
| Measure | The Bippus State Bank | The First National Bank of Monterey |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 70 | 81 (stronger) |
| Loan quality | 71 | 88 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 57 | 83 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 64th | 80th |
| Total assets | $458.9M | $430.5M |
| Deposits / shares | $391.9M | $379.8M |
| Capital ratio | 11.99% | 13.13% (stronger) |
| Problem loans | 0.86% | 0.37% (stronger) |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 2.42% (stronger) | 1.10% |
| Loans ÷ deposits | 90.1% | 64.8% (stronger) |
| Uninsured deposits | 26.5% | 25.7% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Monterey has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Bippus State Bank leads on 1 and The First National Bank of Monterey on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.