Monet Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Monet Bank. Based in Plano, Texas, it had $3.2 billion in assets at June 30, 2026, down 43.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 25.76% of loans from 12.53% a year earlier. It keeps 7.28 cents of net interest income on every dollar of earning assets, about double the median of 3.71 cents for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it pays an average of 3.09% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
Delinquency has appeared in its $212 million non-owner-occupied commercial real estate book: 50.09% of those loans are past due or on nonaccrual, against almost none a year earlier. Credit is the area to watch: it carries problem assets equal to 11.9% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Monet Bank reported a CET1 capital ratio of 135.52%, a return on assets of 5.94%, a nonperforming-loan ratio of 25.76% and a Texas ratio of 11.88%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 6000 Legacy Dr, Plano, TX 75024
- County
- Collin
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 10, 1988
- Former names
- XD Bank (2025); Beal Bank (2020-2025); Beal Bank, SSB (2010-2020); Beal Banc, Savings Association (1992-1994)
- Offices
- 6 domestic
- Employees (FTE)
- 59
- Domestic deposits
- $913.0M
- Allowance for credit losses
- $6.7M
- Net charge-offs (YTD)
- -$9.4M
- Average total assets
- $3.15B
- Average total loans
- $420.3M
- Average interest-bearing deposits
- $824.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32574
- Fed RSSD
- 1176881
- Website
- www.monet.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Monet Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Monet Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Monet Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Monet Bank: ROA, Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 135.52% | 5.94% | 25.76% | 11.88% | 7.28% |
| Q1 2026 | 145.04% | 2.45% | 36.61% | 14.16% | 1.94% |
| Q4 2025 | 171.75% | 1.74% | 34.07% | 11.66% | 1.87% |
| Q3 2025 | 251.72% | -0.42% | 5.64% | 1.93% | 1.46% |
| Q2 2025 | 228.87% | 0.63% | 12.54% | 4.30% | 1.35% |
| Q1 2025 | 244.38% | 0.53% | 12.58% | 4.35% | 1.76% |
| Q4 2024 | 67.25% | 5.72% | 5.24% | 4.67% | 1.68% |
| Q3 2024 | 59.22% | -4.62% | 3.02% | 5.17% | 0.87% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Monet Bank (main office) | Plano , TX | 75024 | $515.0M |
| Houston Branch | Houston , TX | 77027 | $197.0M |
| Addison Branch | Dallas , TX | 75248 | $137.9M |
| San Diego Branch | San Diego , CA | 92108 | $46.1M |
| Beachwood Branch | Beachwood , OH | 44122 | $9.8M |
| Walnut Creek Branch | Walnut Creek , CA | 94596 | $7.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 14, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 19, 2009 | Structure Change | Acquired New South Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 18, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 8, 2003 | Structure Change | Acquired Southern Pacific Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 7, 2003 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for Monet Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 129 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 20 loans, $7.0M approved, $351K average. 30.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Monet Bank
What are Monet Bank's total assets?
As of the Q2 2026 filing, Monet Bank reported total assets of $3.16 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Monet Bank headquartered?
Monet Bank is headquartered in Plano, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Monet Bank founded?
Monet Bank was established in 1988, per the FDIC institution directory.
Is Monet Bank FDIC-insured?
Yes. Monet Bank is an FDIC-insured commercial bank (FDIC Certificate #32574). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Monet Bank?
Monet Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Monet Bank's CET1 capital ratio?
Monet Bank reported a Common Equity Tier 1 (CET1) capital ratio of 135.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Monet Bank operate?
Monet Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Monet Bank's Texas Ratio?
Monet Bank's Texas Ratio is 11.88% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Monet Bank previously called?
The charter now named Monet Bank has also operated as XD Bank (2025), Beal Bank (2020-2025), Beal Bank, SSB (2010-2020), Beal Banc, Savings Association (1992-1994), per FDIC structure-change records.
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