Monterey County Bank
Monterey, CA · Owner: PCB Financial Inc
$300M
total assets, June 30, 2026
$300M
total assets, June 30, 2026
Monterey County Bank is a state nonmember bank based in Monterey, CA, owned by PCB Financial Inc. As of June 30, 2026 it held $300.4 million in assets and $232.6 million in deposits; assets were up 22.3% from a year before. It has 4 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$300M
+22.3% in a year · +0.9% in a quarter
Deposits
$233M
+20.3% in a year · +6.1% in a quarter
Loans
$162M
+45.1% in a year · +7.3% in a quarter
Profit so far
-$1.4M
Jan 1 to Jun 30, 2026
Capital ratio
8.38%
-1.62 pts in a year
Return on assets
-0.96%
+0.96 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 601 Munras Ave, Monterey, CA, 93940
- County
- Monterey
- Holding company
- PCB Financial Inc
- Established
- May 5, 1977
- Employees
- 43
- Branches
- 4
- Website
- montereycountybank.com
- Id
- b22460
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
4 offices as of June 30, 2026, holding $232.6 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| California | 4 | $233M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Monterey County Bank (main office) | Monterey, CA | $145M |
| Pacific Grove Branch | Pacific Grove, CA | $33.3M |
| Carmel Rancho Branch | Carmel Rancho, CA | $30.4M |
| Salinas Branch | Salinas, CA | $23.9M |
Related pages
Questions and answers
How big is Monterey County Bank?
$300.4 million in total assets and $232.6 million in deposits as of June 30, 2026, with assets up 22.3% from a year before. Its loans were $161.6 million.
How many branches does Monterey County Bank have?
4 branches in California as of June 30, 2026.
Is Monterey County Bank profitable?
No: it lost $1.41 million from January 1 to June 30, 2026. Its return on assets was -0.96% a year; about 1% is typical.
Who owns Monterey County Bank?
Monterey County Bank is owned by PCB Financial Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.