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Overview / Commentary
601 Munras Avenue
Monterey, CA 93940

Monterey County Bank is headquartered in Monterey and is the 151st largest bank in the state of California. It is also the 3,094th largest bank in the nation. It was established in 1977 and as of December of 2015, it had grown to 46 employees at 4 locations. Monterey County Bank has a C- health rating.


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Health Grade Components

FDIC Certificate #22460
Year Established1977
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD6%
Annual Interest Income$7.1MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$191.2MM$211.1MM
LoansQ4 2015vs Q4 2014$101.8MM$112.1MM
DepositsQ4 2015vs Q4 2014$152.0MM$172.8MM
Equity CapitalQ4 2015vs Q4 2014$16.2MM$15.3MM
Loan Loss AllowanceQ4 2015vs Q4 2014$2.0MM$3.3MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$221.00K$5.8MM
Real Estate OwnedQ4 2015vs Q4 2014$21.8MM$25.5MM

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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 AvenueMonterey, CA 93940