Monet Bank
Plano, TX·RSSD 1176881·FDIC 32574·bank:1176881·Risk-based ratios where reported
- #32 of 352Total assets in Texas
- Top 10%Total assets in the U.S.
- 6offices
- 59employees
- #6 of 3,709Margin improvement in the U.S.
- Top 1%Efficiency in the U.S.
- #2 of 310Net interest margin in Texas
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Monet Bank
11 of 23 FORFI signals stand out against 271 similar banks, based on FDIC data for the quarter.
Leverage capital ratio rising faster than peersStrength: Capital 2nd quarter31.69%peers 10.42%+21.3 pp
Monet Bank's leverage ratio rose 11.3 percentage points over the past year to 31.69%. Among 270 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 31.69% | 10.42% | +21.3 pp |
| 12-month change | ||
| +11.3 pp | +0.2 pp | +11.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Monet Bank itself is left out of every peer median and percentile. How signals work
Problem loans rising faster than peersWorth a look: Asset quality 2nd quarter25.76%peers 0.58%+2517 bps
Monet Bank's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans rose 1323 bps over the past year to 25.76%. Among 267 similar banks, the median rose 3 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 25.76% | 0.58% | +2517 bps |
| 12-month change | ||
| +1323 bps | +3 bps | +1320 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Monet Bank itself is left out of every peer median and percentile. How signals work
Deposits shrinking while the peer median growsWorth a look: Funding 2nd quarter-63.6%peers +5.4%-69.0 pp
Monet Bank's deposits declined 63.6% over the past year to $913 million. The median among 268 similar banks was +5.4%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| -63.6% | +5.4% | -69.0 pp |
| Deposits | ||
| $913 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Monet Bank itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings 2nd quarter5.94%peers 1.39%+455 bps
Monet Bank's annualized return on assets rose 534 bps over the past year to 5.94%. Among 264 similar banks, the median rose 16 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 5.94% | 1.39% | +455 bps |
| 12-month change | ||
| +534 bps | +16 bps | +518 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Monet Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency15.8%peers 55.7%-39.9 pp
Monet Bank's efficiency ratio fell 45.4 percentage points over the past year to 15.8%. Among 264 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 15.8% | 55.7% | -39.9 pp |
| 12-month change | ||
| -45.4 pp | -2.1 pp | -43.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Monet Bank itself is left out of every peer median and percentile. How signals work
6 more observations
- Net charge-offs falling while the peer median holds steadyAsset quality
- Net interest margin widening faster than peersEarnings
- Deposit costs falling faster than peersFunding
- Borrowed funding rising while the peer median holds steadyFunding
- Deposit costs among the highest of similar banksFunding
- Noninterest-bearing deposit share falling faster than peersFunding
Key facts
- Monet Bank is a bank headquartered in Plano, Texas. It reported $3.2 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $913 million, down 63.6% from a year earlier, and loans totaled $454 million, up 18.5%.
- Its net interest margin was 7.39% and its annualized return on assets was 5.94% for the quarter.
- Its cost of all deposits was 3.12%, compared with a median of 1.99% among 263 similar banks with $3 billion to $10 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Monet Bank's own data, FORFI would look at: Which balance-sheet segments consume or release capital, relationship by relationship.
Analysis workspaces
Sources and identifiers
- Institution
- Monet Bank · Bank
- Federal Reserve RSSD
- 1176881
- FDIC certificate
- 32574
- Reporting period
- Peer group
- 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Monet Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $46.86M | — | |
| $69.55M | — | |
| $16.72M | — | |
| $52.83M | — | |
| $8.64M | — | |
| $9.72M | — | |
| -$7.27M | — | |
| -$6.91M | — | |
| 5.94% | 5.92%ROAQ · Quarter | |
| 7.39% | 7.37%NIMYQ · Quarter | |
| 15.81% | 15.81%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.