CRA Public File

COMMUNITY REINVESTMENT ACT NOTICE

Under the federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC evaluates or record of helping to meet the credit needs of this community, consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, for example, information about our branches, such as their location and services provided at them, the public section of our most recent CRA Performance Evaluation, prepared by the FDIC, and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Director, FDIC, Division of Compliance and Consumer Affairs, FDIC, 25 Ecker Street, Suite 2300, San Francisco, CA 94105. You may send written comments about our performance in helping to meet community credit needs to CRA Compliance Officer, Monterey County Bank, P.O. Box 1309, Monterey, CA 93942 and the Regional Director, FDIC, Division of Compliance and Consumer Affairs, FDIC, 25 Ecker Street, Suite 2300, San Francisco, CA 94105. You may also submit comments electronically through the FDIC’s Web site at www.fdic.gov/regulations/cra. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Director. You may also request from the FDIC Regional Director and announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of Northern California Bancorp, Inc., a bank holding company. You may request from the Vice President of Banking Supervision and Regulation, Federal Reserve Bank of San Francisco, 101 Market Street, San Francisco, CA 94105 an announcement of application covered by the CRA filed by bank holding companies.

EQUAL OPPORTUNITY LENDER

Monterey County Bank’s most recent CRA Performance Evaluation, issued by the Federal Deposit Insurance Corporation (FDIC), provides an overview of our overall rating, performance context, and evaluations of our lending, investment, and service activities.

📄Download and view our latest CRA Performance Evaluation:

MCB CRA Performance Evaluation - 04.2023 [PDF]

A PDF reader is required to view this document.

Below is a list of Monterey County Bank’s current branch locations, including addresses, hours of operations and the communities we serve.

We share this information to highlight our continued commitment to providing convenient local access to banking services and supporting the communities we call home.

There have been no branches opened or closed in the last two years.

Additional Banking Services available based on eligibility or account type. Separate fees may apply.

We disclose our loan-to-deposit ratio for each quarter of the previous calendar year. This ratio reflects how effectively we reinvest customer deposits into loans that help support and strengthen our local communities.

Monterey County Bank continues efforts to meet the Community Reinvestment Act (C.R.A.) needs of its assessment area, by advertising SBA Loans and Certificates of Deposit accounts.  The following media outlets are utilized for advertising:

We maintain all written comments from the public regarding our CRA performance for the current and previous two calendar years, along with any bank responses. These comments provide valuable insight and help guide our ongoing efforts to better serve our communities.

Monterey County Bank has not received any written public comments regarding its CRA performance in 2024, 2025, or 2026 (year to date).