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Our History

48 Years of Local Commitment and Care

Established in 1977, Monterey County Bank (MCB) is the longest-standing independent bank headquartered in Monterey County, California. From the beginning, MCB has been dedicated to supporting the regional economy through tailored small business and commercial banking services.

 

Over the years, the Bank has grown steadily, maintaining a strong presence in Monterey, Carmel, Pacific Grove, Salinas, and greater Monterey County. In late 2024, MCB launched a comprehensive modernization initiative—introducing new leadership and investing in advanced technology to enhance customer service and expand its capabilities. This transformation marks a new chapter in the Bank’s history, building on decades of experience while embracing innovation to better serve the community.

Rooted in Monterey County. Built for the Community

Monterey County Bank was founded with a simple but powerful idea: local businesses deserve a local bank that understands them.


Chartered in 1976 and opening its doors in May 1977, Monterey County Bank has proudly served as the oldest locally headquartered community bank in Monterey County for nearly five decades. From the beginning, our focus has been on supporting the entrepreneurs, professionals, and organizations that make Monterey County thrive.


We’ve built our reputation by making decisions locally, fostering long-term relationships, and delivering personalized financial solutions tailored to the needs of our community.

Growing With Our Community

Over the years, Monterey County Bank has grown alongside the region it serves. While our services and technology have evolved, our commitment to relationship-based banking has never changed. We specialize in commercial banking, small business lending, and SBA financing—helping local businesses start, expand, and succeed.


With 4 branches throughout Monterey County, our team continues to provide hands-on service and local expertise you won’t find at larger institutions.

A New Chapter, the Same Commitment

In 2024, Monterey County Bank entered an exciting new chapter through its acquisition by PCB Financial, Inc. This partnership strengthened the bank with additional capital, expanded lending capacity, enhanced technology, and new strategic resources—while preserving the community banking values that define who we are.


Under new leadership, Monterey County Bank is focused on thoughtful growth, expanded products and services, and continued investment in modern banking tools, all designed to better serve our clients and community.

Refreshed Brand, Renewed Commitment

In February 2026, Monterey County Bank introduced a refreshed brand identity that reflects both its nearly five decades of service and its forward-looking vision. The updated branding modernizes the Bank’s visual presence while reaffirming its core values of local commitment, personal relationships, and community-focused banking. This refreshed look represents the continued evolution of Monterey County Bank—honoring its history while embracing innovation to better serve Monterey County for generations to come.

Looking Ahead

Today, Monterey County Bank blends the strength of a forward-thinking financial institution with the personal service of a true community bank. We remain committed to supporting local businesses, investing in our neighborhoods, and building relationships that last.

Local Banking, Lasting Commitment. Since 1977.