Monterey County Bank

Monterey County Bank


Overview / Commentary
831-649-4600
601 Munras Avenue
Monterey, CA 93940

Monterey County Bank is headquartered in MONTEREY and is the 103rd largest bank in the state of California. It is also the 2,786th 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+
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 Established1977
Employees47
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-1.97%
Return on Equity - YTD-15.84%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$243.7MM$197.2MM
LoansQ1 2025vs Q1 2024$99.9MM$65.6MM
DepositsQ1 2025vs Q1 2024$189MM$166.5MM
Equity CapitalQ1 2025vs Q1 2024$29.5MM$5.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.1MM$1.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$7K$3.8MM
Real Estate OwnedQ1 2025vs Q1 2024$3.9MM$11.5MM
Rates

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

Locations


Monterey County Bank Locations
Salinas Branch1127 South Main StreetSalinas, CA 93901
Carmel Rancho Branch3785 Via Nona MarieCarmel Rancho, CA 93923
Pacific Grove Branch542 Lighthouse AvenuePacific Grove, CA 93950
Monterey County Bank601 Munras AveMonterey, CA 93940

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