ZIP profile

Banking access in ZIP 95004

California · Monterey CA. Source year 2025.

Potential-desert dominant

The published Financial Access Pressure Index is 49.8684. Higher values indicate more measured physical banking-access pressure. This measure does not identify bank branches, drive-through hours, individual banking behavior, or overall neighborhood quality.

Banking-access measures

Pressure index49.8684
National pressure rank#1,275 of 20,307
National percentile91.32
State pressure rank#91 of 1,479
State percentile90.13
Weighted banking-desert geography15.27%
Weighted potential-desert geography69.20%
Population banking-desert exposure25.64%
Population potential-desert exposure56.11%
Allocated population4,389.65
Allocated population in banking deserts1,125.54

Geographic shares and population shares use different denominators. Published ranks and percentiles are preserved, including ties. Population estimates are displayed to two decimals; exact source values are in the downloads.

People & financial access

Estimated population-group exposure to banking-desert geography. These are allocated estimates, not counts of unbanked people. Groups overlap and must not be added together.

Population groupRepresented estimateExposed estimateExposure shareEvidence tier
American Indian / Alaska Native non-Hispanic6.826.82100.00%LIMITED
Asian non-Hispanic119.6075.2262.89%LIMITED
Black non-Hispanic21.730.160.75%LIMITED
Residents with disabilities457.87139.7230.51%LIMITED
Hispanic2,254.42464.8120.62%STANDARD
Older residents720.17211.5329.37%LIMITED
Other race non-Hispanic12.780.000.00%LIMITED
People of color2,561.39578.6922.59%STANDARD
Two or more races non-Hispanic143.9231.6822.01%LIMITED
White non-Hispanic1,828.27546.8529.91%STANDARD

Evidence tiers are passed through from the source. Missing ranks or rates remain unavailable. A zero exposure share does not guarantee that a branch is open or nearby.

Source year: 2025 in the governed ZIP profile view. Exported October 13, 2026; the export date is not an observation date. Population figures are allocated estimates; groups can overlap. Sources and interpretation →