BanksMONET BANK

MONET BANK

PLANO, TXLargeEst. March 10, 1988, midnightFDIC #32574RSSD #1176881FDIC
Latest · 2025-12-31

MONET BANK is an 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%. CET1 capital ratio: 171.75%, well above regulatory minimums. NPL ratio: 34.06% · Texas Ratio: 11.66%. Operates 7 domestic branches.

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 Margin1.93%
Yield on Assets4.50%
Cost of Funds3.38%

Asset Quality

NPL Ratio34.06%
Net Charge-Off Ratio0.33%
Texas Ratio11.66%
NPA Ratio3.91%
ACL / Loans1.29%

Capital & Liquidity

CET1 Ratio171.75%
Tier 1 Capital171.75%
Total Capital Ratio171.98%
Leverage Ratio29.43%
Loan-to-Deposit35.48%

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