BlastPoint's Banking Scorecard
Monterey County Bank
Designations: ✓ Minority Depository Institution
Monterey, CA
4 branches across CA
Monterey County Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 50.0% in tier
- - Return on Assets 1.22% below tier average
- - Efficiency Ratio 26.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$297.8M
+22.2% YoY
+5.2% QoQ
|
-$88.3M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$148.8M
+49.0% YoY
-0.4% QoQ
|
-$106.9M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
36% |
| Total Deposits ? |
$219.2M
+16.0% YoY
+5.1% QoQ
|
-$108.8M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
0.05%
+102.4% YoY
+103.3% QoQ
|
-1.22% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.9% in tier |
| Net Interest Margin ? |
4.03%
+20.9% YoY
+7.7% QoQ
|
+0.10% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
91.37%
-38.3% YoY
-27.3% QoQ
|
+26.08% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.6% in tier |
| Delinquency Rate ? |
0.01%
-99.0% YoY
|
-0.87% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Top 14.4% in tier |
| Loan-to-Deposit Ratio ? |
67.88%
+28.4% YoY
-5.3% QoQ
|
-8.76% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
16.85%
-16.9% YoY
-4.0% QoQ
|
-5.17% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
1.23%
-40.9% YoY
-4.5% QoQ
|
+0.60% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
15% |
| Tier 1 Capital Ratio ? |
9.47%
-11.0% YoY
-4.4% QoQ
|
-6.36% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.1% in tier |
| Non-Interest Income / Assets ? |
0.10%
+8.1% YoY
-76.2% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
50% |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.