Bank Comparison
Austin Bank, Texas N.A. vs Monet Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 6
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Austin Bank, Texas N.A. | Monet Bank |
|---|---|---|
| CET1 Ratio | — | 145.04% |
| Tier 1 Capital Ratio | — | 145.04% |
| Total Capital Ratio | — | 145.31% |
| Tier 1 Leverage Ratio | 15.03% | 29.16% |
| Equity / Assets | 15.09% | 30.33% |
Profitability
| Metric | Austin Bank, Texas N.A. | Monet Bank |
|---|---|---|
| Return on Assets (ROA) | 2.05% | 2.45% |
| Return on Equity (ROE) | 13.64% | 7.47% |
| Net Interest Margin (NIM) | 5.07% | 1.94% |
| Yield on Earning Assets | 6.30% | 4.22% |
| Cost of Funds | 1.40% | 3.06% |
Asset quality
| Metric | Austin Bank, Texas N.A. | Monet Bank |
|---|---|---|
| Texas Ratio | 3.28% | 14.17% |
| Non-Performing Loan Ratio | 0.56% | 36.61% |
| Non-Performing Asset Ratio | 0.51% | 4.32% |
| Net Charge-Off Ratio | 0.08% | -0.07% |
| ACL / Loans | 1.42% | 1.27% |
Balance sheet
| Metric | Austin Bank, Texas N.A. | Monet Bank |
|---|---|---|
| Total Assets | $3,267M | $3,168M |
| Total Deposits | $2,744M | $947,311K |
| Total Loans | $2,503M | $366,394K |
| Total Equity | $492,945K | $960,951K |
| Net Income (quarter) | $16,550K | $20,028K |
Liquidity & funding
| Metric | Austin Bank, Texas N.A. | Monet Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 91.23% | 38.68% |
| Core Deposit Ratio | 90.82% | 89.16% |
| Uninsured Deposit Ratio | 24.72% | 76.94% |
Identity
| Metric | Austin Bank, Texas N.A. | Monet Bank |
|---|---|---|
| Headquarters City | JACKSONVILLE | PLANO |
| Headquarters State | TX | TX |
| Asset Tier | Large | Large |
| Charter Class | 5581 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 39 | 6 |
| Employees (FTE) | 537 | 58 |
| Established | Oct. 1, 1900, midnight | March 10, 1988, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Austin Bank, Texas N.A. profile | View full Monet Bank profile | Browse all bank comparisons