The First National Bank of Monterey
The First National Bank of Monterey 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 | $430M | $378M | $232M | $48M | $1M | 1.09% | 9.68% | 2.99% | 0.53% |
| Q4 2025 | $418M | $367M | $240M | $47M | $1M | 0.87% | 8.40% | 2.80% | 0.34% |
| Q3 2025 | $416M | $361M | $236M | $46M | $861K | 0.80% | 7.86% | 2.73% | 0.38% |
| Q2 2025 | $415M | $372M | $227M | $42M | $903K | 0.78% | 7.94% | 2.69% | 0.22% |
| Q1 2025 | $411M | $368M | $217M | $41M | $702K | 0.69% | 7.06% | 2.61% | 0.23% |
| Q4 2024 | $407M | $367M | $226M | $38M | $561K | 0.51% | 5.22% | 2.31% | 0.43% |
| Q3 2024 | $405M | $361M | $224M | $42M | $566K | 0.49% | 5.02% | 2.25% | 0.13% |
| Q2 2024 | $403M | $363M | $219M | $38M | $498K | 0.45% | 4.75% | 2.23% | 0.20% |
| Q1 2024 | $392M | $348M | $207M | $37M | $399K | 0.41% | 4.25% | 2.18% | 0.30% |
| Q4 2023 | $389M | $345M | $212M | $38M | $342K | 0.63% | 7.00% | 2.33% | 0.36% |
| Q3 2023 | $380M | $340M | $211M | $34M | $365K | 0.72% | 8.19% | 2.38% | 0.30% |
| Q2 2023 | $386M | $344M | $204M | $36M | $689K | 0.89% | 10.06% | 2.45% | 0.27% |
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.