Monterey County Bank
Monterey, CA · Cert 22460 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · PCB Financial Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$300.4MAssets
$161.6MLoans
$232.6MDeposits
$32.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 63% of banks under $1B in assets operating in a single state (rank 275 of 743).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets operating in a single state (rank 745 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-0.94%
Rank 736 of 746
Net Interest Margin
3.50%
Rank 450 of 746
Efficiency Ratio
122.66%
Rank 736 of 746
Equity / Assets
10.91%
Rank 329 of 746
Non-interest income vs. expense
Unfavorable gap of $12.5M · efficiency ratio beats 1% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.94% | 0.72% | 1.06% | 1.45% | Beats 1% | 736 / 746 | |
| Return on Equity | -8.58% | 6.74% | 10.51% | 13.63% | Beats 1% | 739 / 746 | |
| Net Interest Margin | 3.50% | 3.17% | 3.68% | 4.16% | Beats 40% | 450 / 746 | |
| Efficiency Ratio | 122.66% | 55.74% | 64.58% | 75.47% | Beats 1% | 736 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.09% | 0.42% | 1.07% | Beats 63% | 275 / 743 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 44% | 418 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 8.38% | 11.55% | 13.75% | 17.60% | Beats 0% | 745 / 746 | |
| Total Risk-Based Capital Ratio | 8.38% | 11.71% | 14.33% | 18.43% | Beats 0% | 745 / 746 | |
| Equity / Assets | 10.91% | 8.90% | 10.51% | 13.06% | Beats 56% | 329 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 69.49% | 61.31% | 78.27% | 90.78% | 35th pctl | 488 / 746 | |
| Loans / Assets | 53.80% | 53.60% | 66.97% | 76.08% | 25th pctl | 558 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |