Monterey County Bank Reviews and Rates

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Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

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Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Overview / Commentary

montereycountybank.com

831-649-4600

601 Munras Avenue
Monterey, CA 93940

Monterey County Bank is headquartered in MONTEREY and is the 103^rd largest bank in the state of California. It is also the 2,786^th largest bank in the nation. It was established in 1977 and as of March of 2025, it had grown to 47 employees at 4 locations. Monterey County Bank has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Monterey County Bank has a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #	22460
Year Established	1977
Employees	47
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-1.97%
Return on Equity - YTD	-15.84%
Annual Interest Income	$2.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$243.7MM$197.2MM
Loans	Q1 2025vs Q1 2024	$99.9MM$65.6MM
Deposits	Q1 2025vs Q1 2024	$189MM$166.5MM
Equity Capital	Q1 2025vs Q1 2024	$29.5MM$5.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.1MM$1.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$7K$3.8MM
Real Estate Owned	Q1 2025vs Q1 2024	$3.9MM$11.5MM

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for Monterey County Bank.

Locations

Monterey County Bank Locations
Salinas Branch	1127 South Main Street	Salinas, CA 93901
Carmel Rancho Branch	3785 Via Nona Marie	Carmel Rancho, CA 93923
Pacific Grove Branch	542 Lighthouse Avenue	Pacific Grove, CA 93950
Monterey County Bank	601 Munras Ave	Monterey, CA 93940

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