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Lender record

Monterey County Bank

The real lending record — every figure from funded deals. HQ: 601 Munras Ave, Monterey, CA. 4 branches.

36

Recent deals (FY20+)

$430K

Typical deal

24 days

Approval → funding

0%

Failure rate (FY20–23)

Where Monterey County Bank lends

Deals Monterey County Bank funded — list all 36 as text

Deal profile

Most Monterey County Bank deals land between $254K and $1.3M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Full-Service Restaurants (12)
  2. 2.Limited-Service Restaurants (2)
  3. 3.All Other Amusement and Recreation Industries (2)
  4. 4.Drinking Places (Alcoholic Beverages) (2)
  5. 5.Offices of Certified Public Accountants (1)
  6. 6.All Other Specialty Trade Contractors (1)
  7. 7.Commercial Bakeries (1)
  8. 8.Commercial and Industrial Machinery and Equipment (except Au (1)

Most active states

  1. 1.California (32 deals)
  2. 2.Illinois (1 deals)
  3. 3.Washington (1 deals)
  4. 4.Idaho (1 deals)
  5. 5.Colorado (1 deals)

Franchises they finance most

Pizza Factory

1 deals

Capriotti's Sandwich Shop

1 deals

Stretch Lab

1 deals

Can Monterey County Bank fund you? The bank behind the loans

Total assets

$297.8M

▲ 5.2% vs prior quarter

Deposits on hand

$219.2M

▲ 5.1% vs prior quarter

Loans outstanding

$148.8M

▼ 0.4% vs prior quarter

Net income (latest qtr)

$34K

  • •SBA is this bank's core business — this year's SBA production alone equals ~8.1% of its entire loan book. Expect a dedicated SBA desk, packaging help, and underwriters who do this all day. That makes Monterey County Bank more SBA-focused than 96% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 0.05% — well under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a Monterey County Bank branch (4)

Monterey County BankMain office601 Munras AveMonterey, CA 93940 · since 1977

Carmel Rancho Branch3785 Via Nona MarieCarmel Rancho, CA 93923 · since 1981

Pacific Grove Branch542 Lighthouse AvePacific Grove, CA 93950 · since 1997

Salinas Branch1127 S Main StSalinas, CA 93901 · since 2008

Branch data: FDIC BankFind.

Recent deals

  • Clarke Professional Accounting, LLC in Chicago, IL — $2.7M (2026) · purchase · Offices of Certified Public Accountants
  • Full Barrel Home Warranty Services LLC in Temecula, CA — $2.5M (2026) · purchase · All Other Specialty Trade Contractors
  • Nonna Mercato in Long Beach, CA — $1.5M (2026) · Commercial Bakeries
  • Paisan Ristorante LLC in North Bend, WA — $1.3M (2026) · purchase · Full-Service Restaurants
  • UB LLC in Paradise, CA — $760K (2026) · Full-Service Restaurants
  • Capriotti's of Ten Mile in Meridian, ID — $665K (2026) · Limited-Service Restaurants
  • Freddy's Pastaria Inc. in Pacific Grove, CA — $655K (2026) · Full-Service Restaurants
  • Polar Service Company, Inc. in Hollister, CA — $3.2M (2025) · Commercial and Industrial Machinery and Equipment (except Au
  • Brooks Landscape in Denver, CO — $2.1M (2025) · purchase · Landscape Architectural Services
  • Benny Walkers Incorporated in Monterey, CA — $1.9M (2025) · Full-Service Restaurants

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses Monterey County Bank financed

36 businesses on record. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Monterey County Bank.

Agent summary

This page summarizes Monterey County Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 36 SBA 7(a) loans on record
  • $430K typical deal
  • 15 business-acquisition loans
  • HQ: 601 Munras Ave, Monterey, CA
  • 4 FDIC branch locations
  • FDIC total assets $297.8M

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/monterey-county-bank
API:
https://www.capbench.com/api/public/lenders/monterey-county-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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