MONTEREY COUNTY BANK
MONTEREY, CALIFORNIA · FDIC Cert #22460
Capital & Safety Analysis
According to FDIC financial data, MONTEREY COUNTY BANK holds a Tier 1 capital ratio of 15.17%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning MONTEREY COUNTY BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
MONTEREY COUNTY BANK shows average financial health. While not alarming, its Health Score of 60/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
MONTEREY COUNTY BANK has a Bank Health Score of C (60/100). It holds a Tier 1 capital ratio of 15.17%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
MONTEREY COUNTY BANK holds $195M in total assets and $165M in total deposits. It is located in MONTEREY, CALIFORNIA (FDIC Certificate #22460).
MONTEREY COUNTY BANK has a Tier 1 capital ratio of 15.17%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 6.15%, and the return on assets is -1.20%.
Yes. MONTEREY COUNTY BANK is FDIC-insured (Certificate #22460). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.