Side-by-side · Q2 2026 data
UMB Bank, National Association vs Monterey County Bank
Metric by metric
| Measure | UMB Bank, National Association | Monterey County Bank |
|---|---|---|
| TellerScore | 65 (stronger) | 54 |
| Capital cushion | 39 (stronger) | 34 |
| Loan quality | 89 | 92 (stronger) |
| Earnings | 75 (stronger) | 0 |
| Funding & liquidity | 43 | 75 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 54th | 10th |
| Total assets | $71.9B | $300.4M |
| Deposits / shares | $60.2B | $232.6M |
| Capital ratio | 8.89% (stronger) | 8.38% |
| Problem loans | 0.34% | 0.24% (stronger) |
| Net charge-offs | 0.17% | 0.03% (stronger) |
| Return on assets | 1.39% (stronger) | -0.96% |
| Loans ÷ deposits | 67.7% (stronger) | 68.7% |
| Uninsured deposits | 63.6% | 30.0% (stronger) |
| Offices | 189 | 4 |
| CFPB complaints (3 yrs) | 306 | — |
| Complaints per $1B deposits | 5.1 | — |
| Mortgage denial rate (HMDA) | 30.5% | — |
UMB Bank, National Association has the higher TellerScore (65 vs 54). On the 7 directional measures above (where higher or lower is clearly better), UMB Bank, National Association leads on 4 and Monterey County Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.