PCB FINANCIAL INC is the parent banking group. MONTEREY COUNTY BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

PCB FINANCIAL INC

Legal name: PCB FINANCIAL, INC.

1 active bank · $298M combined assets

RSSD ID: 5900516 (FFIEC NIC)

Combined Assets

$298M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 89% resulted in Outstanding or Satisfactory.

Primary bankMONTEREY COUNTY BANKMONTEREY, CASatisfactory$298MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$298M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$219M

Net Income

$34K

ROA (avg)

0.05%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
MONTEREY COUNTY BANK	MONTEREY, CA	FDIC	$298M	Satisfactory	Aug 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.