Monet Bank
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Data as of · sourced from FFIEC call reports. How we update
Monet Bank is an FDIC-insured commercial bank headquartered in Plano, TX, established in 1988 (FDIC certificate 32574), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.16B, down 43.3% from Q2 2025, the 31st largest of 346 banks headquartered in Texas.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 32574
- Headquarters
- Plano, TX
- Established
- 1988
- Total assets, Q2 2026
- $3.16B
- Assets vs Q2 2025
- -43.3%
- Capital ratio
- Not reported
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 311993330
- Asset rank in state
- 31st of 346 in Texas
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%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Monet Bank is the 31st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $3.16B, loans rose 24.0% and deposits fell 3.6%. Non-owner-occupied commercial real estate loans made up 46.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 32.7%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities across 3 states; its Plano office books 56% of its branch deposits. Judged on its Q2 2026 call report, Monet Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 6 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Monet Bank's total assets moved between a low of $3.16B (Q2 2026) and a high of $6.95B (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.16B total assets against $5.57B; $2.16B total liabilities against $4.41B.
$447.6M net loans and leases against $370.8M; $913.0M total deposits against $2.51B.
$1.35B securities against $4.57B; $1.07B cash and balances due against $318.9M.
$69.5M total interest income against $60.5M; $16.7M total interest expense against $42.2M.
$52.8M net interest income against $18.4M.
$8.6M total noninterest income against $1.9M; $9.7M total noninterest expense against $12.4M.
-$6.9M provision for credit losses against -$42K.
$46.9M net income against $9.0M.
5.94% return on assets against 0.63%; 7.28% net interest margin against 1.35%.
135.52% CET1 capital ratio against 228.87%; 31.69% tier 1 leverage ratio against 20.44%.
Inside the full Monet Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 3 of 3,611, for ROA; its furthest is 484 of 3,640, for Texas Ratio.
Metric pages for Monet Bank: ROA, Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -4.62% (Q3 2024) to 5.94% (Q2 2026) and its net interest margin ran from 0.87% (Q3 2024) to 7.28% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 135.52% | 5.94% | 25.76% | 11.88% | 7.28% |
| Q1 2026 | 145.04% | 2.45% | 36.60% | 14.16% | 1.94% |
| Q4 2025 | 171.75% | 1.74% | 34.06% | 11.66% | 1.87% |
| Q3 2025 | 251.72% | -0.42% | 5.63% | 1.93% | 1.46% |
| Q2 2025 | 228.87% | 0.63% | 12.53% | 4.30% | 1.35% |
| Q1 2025 | 244.38% | 0.53% | 12.57% | 4.35% | 1.76% |
| Q4 2024 | 67.25% | 5.72% | 5.23% | 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
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 129 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Monet Bank headquartered?
It is headquartered in Plano, TX, United States.
When was Monet Bank founded?
It was established in 1988, per the FDIC institution directory.
Is Monet Bank FDIC-insured?
Yes. It 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.
What is Monet Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 11.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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