Monterey County Bank

Local Banking, Lasting Commitment. Since 1977. Founded in 1977, Monterey County Bank is the oldest locally headquartered community bank in Monterey County. We have always focused on supporting local businesses and entrepreneurs with personalized banking solutions—from commercial lending to SBA financing. Rooted in local decision-making and relationship-based banking, we help our clients start, grow, and succeed. With four branches across Monterey County, we provide hands-on service and local expertise you won’t find at larger institutions. In 2024, we joined PCB Financial, Inc., strengthening our resources and technology while preserving the local service and relationships our clients trust. Today, Monterey County Bank blends forward-thinking financial solutions with true community banking values—committed to supporting local businesses, investing in neighborhoods, and building relationships that last.