☰

Home›
Banks›
Monterey County Bank

iAdvertiser Disclosure

Monterey County Bank Rates & Review August 2026

Q: How many branches does Monterey County Bank operate?

Monterey County Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Monterey County Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Monterey County Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Monterey County Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Monterey County Bank, and you can see how they compare in the Monterey County Bank rate tables below. MonitorBankRates evaluates the financial stability of Monterey County Bank with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 611.04%. Database rates last updated and verified on 08/30/2026.

Monterey 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.

Overall Health & Safety Grade

High Risk Health Score: 0/100

MonitorBankRates Rating

1.0

Weak Out of 5.0 Stars

Texas Ratio

611.04%

Weak Higher than avg

Monterey County Bank

601 Munras Ave
Monterey, CA 93940

https://www.montereycountybank.com

Current Rate Availability

We're not currently displaying rates for Monterey County Bank, but our database is updated constantly — check back soon for the latest offers.

Are you with Monterey County Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates 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 & Overview

Institution Name Monterey County Bank

Bank Holding Company PCB FINANCIAL INC

Address 601 Munras Ave, Monterey, CA 93940 · Monterey

Website https://www.montereycountybank.com

FDIC Certificate # 22460

Established 05/05/1977

FDIC Insurance Date 05/05/1977

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 0/100

1.0

Weak Out of 5.0 Stars

611.04%

Texas Ratio Nat'l avg: 5.85%

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

Total Branches and Offices 4

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for Monterey County Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Monterey County Bank

Frequently Asked Questions About Monterey County Bank

How many branches does Monterey County Bank operate?

Monterey County Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Monterey County Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Monterey County Bank provides members with tools to manage their accounts and build a solid financial history.

Does Monterey County Bank offer online and mobile banking?

Most modern institutions like Monterey County Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.montereycountybank.com.