Monterey County Bank
Total assets
$300.4M
▲ +22.3% YoY
Deposits
$232.6M
▲ +20.3% YoY
Loans
$159.7M
▲ +45.1% YoY
Offices
4
PCB FINANCIAL INC
ROA (annualized)
-0.96%
peers 1.24%
ROE (annualized)
-8.59%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Monterey County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.3% | +4.4% | +18.0 pts |
| Deposit growth (YoY) | +20.3% | +4.0% | +16.4 pts |
| Loan growth (YoY) | +45.1% | +5.6% | +39.5 pts |
| ROA | -0.96% | 1.24% | -2.2 pts |
| ROE | -8.6% | 11.9% | -20.5 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
Profile
- Established
- 1977
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PCB FINANCIAL INC
- Specialization
- Commercial Lending Specialization
- Address
- 601 Munras Ave, Monterey, CA, 93940
- County
- Monterey
- Metro area
- Salinas, CA
- Offices
- 4
- FDIC cert #
- 22460
- RSSD ID
- 297761
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $300.4M | $232.6M | $159.7M | $32.8M | $-1.4M | -0.96% | 3.96% | 0.44% |
| Q1 2026 | $297.8M | $219.2M | $148.8M | $33.3M | $34K | 0.05% | 4.03% | 1.23% |
| Q4 2025 | $283.0M | $208.5M | $149.5M | $32.1M | $-3.6M | -1.41% | 3.75% | 1.29% |
| Q3 2025 | $257.4M | $200.9M | $120.5M | $31.2M | $-3.0M | -1.66% | 3.77% | 1.42% |
| Q2 2025 | $245.6M | $193.3M | $110.0M | $27.3M | $-2.3M | -1.91% | 3.58% | 2.04% |
| Q1 2025 | $243.7M | $189.0M | $99.9M | $29.5M | $-1.2M | -1.97% | 3.34% | 2.09% |
| Q4 2024 | $226.7M | $172.4M | $80.6M | $29.1M | $-1.6M | -0.74% | 1.43% | 2.38% |
| Q3 2024 | $231.5M | $172.0M | $70.0M | $34.6M | $-175K | -0.11% | 0.53% | 4.63% |
Loan mix (Q2 2026): real estate $151.2M · commercial $11.1M · consumer $32K · securities $79.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Monterey County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.96% | 1.24% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -8.6% | 11.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.96% | 50th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 117.9% | 62.9% | 99th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Monterey County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Monterey County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Monterey County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Monterey County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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