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The First National Bank Of Monterey
Monterey, IN · FDIC Certificate #4364 · Chartered 08/0
Total assets
$430.51M
Total deposits
$379.75M
Total equity
$48.70M
Net loans
$246.25M
Branches (offices)
4
Net income (YTD)
$2.33M
Rank: #1,962 of 4,213 U.S. banks by assets · #47 of 87 in Indiana. Assets changed 3.6% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.10% |
| Return on equity | 9.73% |
| Net interest margin (YTD) | 3.06% |
| Equity to assets | 11.31% |
| Tier 1 leverage ratio | 13.13% |
| Uninsured deposits (share of deposits) | 25.7% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 64.8% |
| Real estate loans (share of loans) | 75.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $185.19M | 75.2% | |
| Commercial & industrial | $16.36M | 6.6% | |
| Consumer / individual | $2.86M | 1.2% | |
| Construction & development | $1.83M | 0.7% | |
| Agricultural | $41.51M | 16.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $399.90M | $364.40M | $1.43M | $34.07M |
| Jun 2023 | $385.98M | $343.79M | $1.77M | $35.69M |
| Jun 2024 | $403.06M | $363.32M | $897.00K | $38.17M |
| Jun 2025 | $415.48M | $371.87M | $1.60M | $41.78M |
| Jun 2026 | $430.51M | $379.75M | $2.33M | $48.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $379.75M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $379.75M.
Similar-sized banks
State Savings Bank ($431.16M) · SSB Bank ($430.42M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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