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Monterey County Bank is the longest-standing independent bank headquartered in Monterey County, California. The institution is dedicated to supporting the regional economy through tailored small business and commercial banking services, with branches across Monterey, Carmel, Pacific Grove, and Salinas.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of December 31, 2025
Median
$270K
Average
$482K
Sweet Spot
$0-$500K
Industries with highest loan volume
Full-Service Restaurants
3
loans
$307K
avg. amount
Full-Service Restaurants
Loans
3
Avg. Amount
$307K
Landscape Architectural Services
1
loans
$2.1M
avg. amount
Landscape Architectural Services
Loans
1
Avg. Amount
$2.1M
Limited-Service Restaurants
1
loans
$225K
avg. amount
Limited-Service Restaurants
Loans
1
Avg. Amount
$225K
Meat Retailers
1
loans
$270K
avg. amount
Meat Retailers
Loans
1
Avg. Amount
$270K
Other Personal Care Services
1
loans
$256K
avg. amount
Other Personal Care Services
Loans
1
Avg. Amount
$256K
Wineries
1
loans
$340K
avg. amount
Wineries
Loans
1
Avg. Amount
$340K
Gift, Novelty, and Souvenir Retailers
1
loans
$254K
avg. amount
Gift, Novelty, and Souvenir Retailers
Loans
1
Avg. Amount
$254K
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.94% |
| $2M-$3M | Prime + 3.00% |
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)