Monterey County Bank is a bank based in Monterey, California, established in 1977, with $298 million in total assets across 4 branches. By Trust Grade it ranks 92nd of 117 banks we track in California. Its capital ratio of 11.2% is stronger than 64% of similarly sized banks, versus a California median of 11.7%. It was profitable over the most recent period, with a 0.05% return on assets. No consumer complaints against Monterey County Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Monterey County Bank compares to California peers
How we graded Monterey County Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.2% capital ratio)
- Profitable (ROA 0.05%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Monterey County Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 601 Munras Ave, Monterey, CA 93940
- 3785 Via Nona Marie, Carmel Rancho, CA 93923
- 542 Lighthouse Ave, Pacific Grove, CA 93950
- 1127 S Main St, Salinas, CA 93901
Are deposits at Monterey County Bank insured?
Yes. Monterey County Bank is an FDIC-insured bank (FDIC certificate #22460). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Monterey County Bank: frequently asked questions
Is Monterey County Bank a good bank?
Monterey County Bank earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Strongly capitalized (11.2% capital ratio); Profitable (ROA 0.05%).
Is Monterey County Bank FDIC-insured?
Yes. Monterey County Bank is a FDIC-insured bank (FDIC certificate #22460). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Monterey County Bank?
Monterey County Bank holds $298 million in total assets, ranking 92nd of 117 banks we track in California. It operates 4 branches.
Does Monterey County Bank have CFPB complaints?
No CFPB complaints against Monterey County Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
