Monterey County Bank Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Rate Updates and AvailabilityMonterey County Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Monterey County Bank? Share your experience about Monterey County Bank by leaving a review below, or read customer reviews before you decide to use Monterey County Bank. Monterey County Bank Texas RatioMonterey County Bank's Texas Ratio is at 611.04%, which is considered weak. The Texas Ratio for Monterey County Bank is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
1.0
Weak
Out of 5.0 Stars
Monterey County Bank has earned a Smart Rating of 1.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Monterey County Bank is a subpar bank worth considering, with an overall rating of 1.0 stars out of 5 stars. Overall Health & Safety Grade
F
High Risk Health
Score: 0/100
Monterey County Bank has earned an overall safety grade of F. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/06/2026 
Current Rate AvailabilityWe do not have Monterey County Bank rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Monterey County Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Monterey County Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Monterey County Bank's official website for the most current offers and terms.
Bank Profile & OverviewMonterey County Bank
601 Munras AveMonterey, CA 93940 Monterey Established Date: 05/05/1977 FDIC Certificate #: 22460 Date of FDIC Deposit Insurance: 05/05/1977 Bank Holding Company: PCB FINANCIAL INC How Many Domestic U.S. Offices? 4 How Many Branches are There? 4 Website: https://www.montereycountybank.com
Is Monterey County Bank FDIC Insured? Yes
What is Monterey County Bank's Cert number? 22460
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
1.0 / 5.0 ★
Overall Health & Safety Grade:
F (0/100)
Texas Ratio:
611.04%
Return on Assets (ROA):
0.6618%
Return on Equity (ROE):
29.1900%
Non-Performing Loans (NPL):
1.34%
Total Assets:
$282,995,000
Total Deposits:
$208,494,000
Equity Capital:
$32,100,000
Net Income:
$-3,554,000
Headquarters:
Monterey
Regulator:
FDIC
# of Offices:
4
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsThere are no reviews for Monterey County Bank yet. Feel free to create one below.
Add Your Rating and Review for Monterey County Bank
Frequently Asked Questions About Monterey County BankHow do I open an account at Monterey County Bank?You can typically open an account at Monterey County Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Monterey County Bank provides a range of mortgage and home equity products. Is Monterey County Bank a safe place to deposit money?Yes, Monterey County Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Monterey County Bank offer online and mobile banking?Most modern institutions like Monterey County Bank provide digital access including online balance checks and transfers. Compare to other Banks |
You can compare Monterey County Bank rates to other rates in our database, including 12-month CD rates currently at 1.50%, 6-month CD rates at 3.00% and 3-month CD rates at 3.01%. Savings rates are at 0.25% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.14%. All these rates, and more, can be found in our database of rates which you can compare to 
