MONET BANK

PLANO, TX | Large | Est. March 10, 1988, midnight | FDIC #32574 | RSSD #1176881 | FDIC
Latest Report: 2025-12-31

MONET BANK is aln large FDIC-insured commercial bank headquartered in PLANO, TX, established in March 10, 1988, midnight. As of 2025-12-31, the bank reported total assets of $3.5B and total deposits of $1.1B. Profitability stands at 1.74% ROA and 5.95% ROE, with a net interest margin of 1.93%. The bank's CET1 capital ratio is 171.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 34.06% and a Texas Ratio of 11.66%. FDIC Certificate #32574.

Assets

$3.5B

Deposits

$1.1B

Loans

$399M

Equity

$1.2B

Profitability

Return on Assets (ROA) 1.74%
Return on Equity (ROE) 5.95%
Net Interest Margin (NIM) 1.93%
Yield on Assets 4.50%
Cost of Funds 4.26%

Asset Quality

NPL Ratio 34.06%
Net Charge-Off Ratio 0.33%
Texas Ratio 11.66%
NPA Ratio 3.91%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 171.75%
Tier 1 Capital 171.75%
Total Capital Ratio 171.98%
Leverage Ratio 29.43%
Loan-to-Deposit 35.48%

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