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 Monterey County Bank
Monterey County Bank
| RSSD ID 297761 | CERTIFICATE 22460 | ABA NUMBER 121136808 |
| 601 Munras Ave |
Quarter Ended : |
2025-03-31 |
| Monterey, California, 93940 |
Updated : |
2025-04-30 |
| montereycountybank.com |
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| Institution Profile |
| Year Opened : |
1977 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
4 |
Number of Employees : |
47 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 243,748 |
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Total Interest Income | 2,641 |
| Total Liabilities | 214,257 |
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Total NonInterest Income | 218 |
| Total Bank Equity Capital | 29,491 |
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Total Interest Expense | 1,035 |
| Total Deposits | 188,999 |
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Total NonInterest Expense | 2,792 |
| Net Loans & Leases | 99,326 |
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Net Income | (1,160) |
| Loan Loss Allowance | 1,145 |
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Net Charge Offs | 4,073 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 86,912 |
| Total assets for the leverage ratio | 220,798 |
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Loans secured by real estate: | 80,467 |
| Tier 1 Leverage Ratio | 10.64 |
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Commercial and industrial loans | 18,376 |
| Off Balance Sheet Exposures (%) | 3.2 |
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Loans to individuals - Credit Cards | 91 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 2 |
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:· Monterey County Bank
