Call reports 2026
MONTEREY COUNTY BANK — 2026
What MONTEREY COUNTY BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 297,799,000 | 300,380,000 |
| Total loans | 150,670,000 | 161,613,000 |
| Allowance for loan losses | 1,875,000 | 1,937,000 |
| Securities available for sale | 78,056,000 | 79,700,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 219,207,000 | 232,559,000 |
| Interest-bearing deposits | 182,261,000 | 193,077,000 |
| Noninterest-bearing deposits | 36,946,000 | 39,482,000 |
| Equity capital | 33,269,000 | 32,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 4,104,000 | 8,181,000 |
| Interest expense | 1,577,000 | 3,148,000 |
| Net interest income | 2,527,000 | 5,033,000 |
| Noninterest income | 288,000 | 391,000 |
| Noninterest expense | 2,701,000 | 6,653,000 |
| Provision for loan losses | 72,000 | 157,000 |
| Pretax income | 41,000 | -1,399,000 |
| Income tax | 7,000 | 6,000 |
| Net income | 34,000 | -1,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 25,495,000 | 24,071,000 |
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