BlastPoint's Banking Scorecard
Monterey County Bank
Micro
Specialty: Commercial
CA
FDIC cert 22460
Designations: ✓ Community bank
Monterey, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Monterey County Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.50% below tier
- - Efficiency Ratio 57.97% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$283.0M
+24.9% YoY
+9.9% QoQ
|
+$65.5M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$149.5M
+85.4% YoY
+24.1% QoQ
|
+$10.3M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$208.5M
+21.0% YoY
+3.8% QoQ
|
+$24.8M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
-1.41%
-90.1% YoY
+14.7% QoQ
|
-2.50% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.75%
+161.5% YoY
-0.7% QoQ
|
-0.11% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
125.69%
-2.6% YoY
-7.5% QoQ
|
+57.97% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
71.69%
+53.3% YoY
+19.5% QoQ
|
-2.84% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
17.56%
-19.0% YoY
-9.4% QoQ
|
-4.83% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
1.29%
-45.7% YoY
-9.0% QoQ
|
+0.84% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.41%
+457.2% YoY
+93.0% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (2)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.41%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
125.69%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
69
69th pctile
Total Assets
Current: $283.0M · Tier avg: $217.5M
62
62th pctile
Total Deposits
Current: $208.5M · Tier avg: $183.7M
60
60th pctile
Total Loans
Current: $149.5M · Tier avg: $139.2M
56
56th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
42
42th pctile
Loan-to-Deposit Ratio
Current: 71.69% · Tier avg: 74.53%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.56% · Tier avg: 22.39%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.45%
2
2th pctile
Return on Assets
Current: -1.41% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 125.69% · Tier avg: 67.73%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 125.69% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.41% · Tier avg: 1.08%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.45%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.56% · Tier avg: 22.39%
42
42th pctile
Loan-to-Deposit Ratio
Current: 71.69% · Tier avg: 74.53%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
60
60th pctile
Total Loans
Current: $149.5M · Tier avg: $139.2M
62
62th pctile
Total Deposits
Current: $208.5M · Tier avg: $183.7M
69
69th pctile
Total Assets
Current: $283.0M · Tier avg: $217.5M
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%