BlastPoint's Banking Scorecard
Monterey County Bank
Designations: ✓ Minority Depository Institution
Monterey, CA
4 branches across CA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
- Deposits +20.3% year over year ($232.6M on the books).
- Delinquency rate 0.25%.
- Return on assets -0.96%.
- Efficiency ratio 117.88% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.66% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Monterey County Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.28% below tier average
- - Efficiency Ratio 53.40% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$300.4M
+22.3% YoY
+0.9% QoQ
|
-$86.2M |
$386.6M
+1.2% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$159.7M
+45.1% YoY
+7.3% QoQ
|
-$98.7M |
$258.3M
+1.7% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$232.6M
+20.3% YoY
+6.1% QoQ
|
-$94.2M |
$326.7M
+0.7% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
41% |
| Return on Assets ? |
-0.96%
+50.0% YoY
|
-2.28% |
1.32%
+10.8% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 1.3% in tier |
| Net Interest Margin ? |
3.96%
+10.7% YoY
-1.9% QoQ
|
-0.03% |
3.99%
+5.0% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
117.88%
-18.3% YoY
+29.0% QoQ
|
+53.40% |
64.48%
-3.2% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate ? |
0.25%
-80.1% YoY
|
-0.67% |
0.92%
+15.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
68.66%
+20.6% YoY
+1.2% QoQ
|
-9.29% |
77.95%
+1.0% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
16.98%
-13.1% YoY
+0.7% QoQ
|
-5.05% |
22.03%
-0.6% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.44%
-78.3% YoY
-64.0% QoQ
|
-0.23% |
0.67%
+16.4% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
8.38%
-16.2% YoY
-5.3% QoQ
|
-7.53% |
15.91%
+1.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.3% in tier |
| Non-Interest Income / Assets ? |
0.13%
-20.9% YoY
+34.6% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
28% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.0%
-2.6pp YoY +0.1pp QoQ |
-5.2pp | 22.1% | 25.5% | 22.2% | 32% |
| Brokered Deposits | n/a | n/a | 7.9% | 11.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.0%
-5.2pp YoY -1.1pp QoQ |
-4.6pp | 11.6% | 11.8% | 12.5% | 33% |
| CRE |
78.9%
-5.2pp QoQ |
+39.3pp | 39.5% | 67.5% | 41.4% | 97% |
| 1-4 Family |
15.2%
-0.4pp YoY +5.9pp QoQ |
-17.4pp | 32.6% | 16.5% | 31.3% | 20% |
| Consumer |
0.0%
-0.1pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 5.3% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.7% | 19.7% | n/a |
| Leverage Ratio |
8.4%
-1.6pp YoY -0.5pp QoQ |
-3.8pp | 12.2% | 14.5% | 12.6% | 5% |
| Total Capital Ratio | n/a | n/a | 19.9% | 25.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
43
-2 (-4.4%) YoY +1 (+2.4%) QoQ |
-16 | 58 | 337 | 482 | 45% |
| Assets per Employee ($) |
$7.0M
+28.0% YoY -1.5% QoQ |
-$533K | $7.5M | $11.3M | $8.8M | 52% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 15 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.2pp QoQ |
-0.1pp | 0.3% | 0.3% | 0.4% | 70% |
| Nonaccrual | n/a | n/a | 0.9% | 1.4% | 1.0% | n/a |
| Allowance Coverage |
4.93x
+404.7% YoY -95.0% QoQ |
-19.22x | 24.15x | 17.11x | 20.23x | 70% |
| Net Charge-off Rate (YTD) |
0.0%
-8.2pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-8.6%
+7.3pp YoY -9.0pp QoQ |
-20.8pp | 12.2% | 8.2% | 11.6% | 1% |
| Cost of Funds (YTD) |
2.5%
+0.2pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 1.9% | 1.7% | 89% |
| Net Income ($, YTD) |
$-1405000.0
+38.4% YoY — QoQ |
-$4.0M | $2.6M | $28.5M | $40.4M | 1% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.