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First National Bank of Monterey, The

Monterey, IN · Cert 4364 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

National charter · OCC · 4 branches

Q2 2026

$430.5MAssets
$251.0MLoans
$379.8MDeposits
$48.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 73% of banks under $1B in assets operating in a single state (rank 206 of 746).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets operating in a single state (rank 661 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.08%

Rank 358 of 746

Net Interest Margin

2.80%

Rank 661 of 746

Efficiency Ratio

56.52%

Rank 206 of 746

Equity / Assets

11.31%

Rank 295 of 746

Non-interest income vs. expense

$0.9M$7.6MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 73% of banks under $1B in assets operating in a single state
Bank 56.52%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.08%0.72%1.06%1.45%Beats 52%358 / 746
Return on Equity9.59%6.74%10.51%13.63%Beats 44%421 / 746
Net Interest Margin2.80%3.17%3.68%4.16%Beats 11%661 / 746
Efficiency Ratio56.52%55.74%64.58%75.47%Beats 73%206 / 746
Asset Quality
Nonperforming Loans / Loans0.37%0.09%0.42%1.07%Beats 55%335 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 61%289 / 743
Capital
Tier 1 Capital Ratio13.13%11.55%13.75%17.60%Beats 44%421 / 746
Total Risk-Based Capital Ratio13.13%11.71%14.33%18.43%Beats 39%458 / 746
Equity / Assets11.31%8.90%10.51%13.06%Beats 60%295 / 746
Liquidity & Funding
Loans / Deposits66.09%61.31%78.27%90.78%31st pctl514 / 746
Loans / Assets58.30%53.60%66.97%76.08%33rd pctl499 / 746
Brokered Deposits / Depositsn/aNot reported for this institution