Monterey County Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $298M | $219M | $149M | $33M | $34K | 0.05% | 0.42% | 4.03% | 0.01% |
| Q4 2025 | $283M | $208M | $149M | $32M | $-529K | -1.41% | -11.91% | 3.75% | 0.00% |
| Q3 2025 | $257M | $201M | $120M | $31M | $-744K | -1.66% | -13.78% | 3.77% | 0.00% |
| Q2 2025 | $246M | $193M | $110M | $27M | $-1121K | -1.91% | -15.94% | 3.58% | 1.22% |
| Q1 2025 | $244M | $189M | $100M | $29M | $-1160K | -1.97% | -15.84% | 3.34% | 1.22% |
| Q4 2024 | $227M | $172M | $81M | $29M | $-1386K | -0.74% | -9.58% | 1.43% | 1.54% |
| Q3 2024 | $231M | $172M | $70M | $35M | $1M | -0.11% | -1.78% | 0.53% | 5.88% |
| Q2 2024 | $195M | $165M | $67M | $5M | $-644K | -1.20% | -39.82% | 2.48% | 6.15% |
| Q1 2024 | $197M | $167M | $66M | $6M | $-537K | -1.08% | -34.06% | 2.48% | 5.60% |
| Q4 2023 | $199M | $167M | $66M | $7M | $-1102K | -0.04% | -1.53% | 3.57% | 5.59% |
| Q3 2023 | $207M | $180M | $64M | $3M | $699K | 0.66% | 29.19% | 3.74% | 5.81% |
| Q2 2023 | $209M | $180M | $65M | $6M | $55K | 0.32% | 12.04% | 3.87% | 5.87% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.