Monet Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 128.2% lower than in Q1 2026, at -$2.4M. Among 184 Texas banks, Monet Bank sits 3rd from the top on CET1 ratio, 135.52% as of Q2 2026. Against a median of 13.48% for banks in the $1B-10B asset tier, Monet Bank reported 135.52% on CET1 ratio in Q2 2026, 122.04 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 135.52% |
| Tier 1 risk-based capital ratio | 135.52% |
| Total risk-based capital ratio | 136.07% |
| Tier 1 leverage ratio | 31.69% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $999.3M |
| Tier 1 capital | $999.3M |
| Total risk-based capital | $1.00B |
| Total equity capital | $997.0M |
| Risk-weighted assets | $737.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 31.55% |
| Tangible equity to tangible assets | 31.55% |
| Equity capital to average assets | 31.61% |
| Internal capital growth rate | 19.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $467.8M |
| Retained earnings | $529.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 97.58% | 97.58% | 97.90% | 15.49% | $1.10B |
| Q4 2023 | 68.80% | 68.80% | 69.23% | 14.79% | $1.43B |
| Q1 2024 | 78.16% | 78.16% | 78.70% | 20.44% | $1.46B |
| Q2 2024 | 70.47% | 70.47% | 71.12% | 21.47% | $1.54B |
| Q3 2024 | 59.22% | 59.22% | 59.93% | 17.58% | $1.72B |
| Q4 2024 | 67.25% | 67.25% | 67.95% | 17.48% | $1.65B |
| Q1 2025 | 244.38% | 244.38% | 245.64% | 17.03% | $475.2M |
| Q2 2025 | 228.87% | 228.87% | 230.13% | 20.44% | $510.8M |
| Q3 2025 | 251.72% | 251.72% | 252.97% | 25.18% | $462.5M |
| Q4 2025 | 171.75% | 171.75% | 171.98% | 29.43% | $688.4M |
| Q1 2026 | 145.04% | 145.04% | 145.31% | 29.16% | $656.7M |
| Q2 2026 | 135.52% | 135.52% | 136.07% | 31.69% | $737.4M |
Monet Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Monet Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Monet Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32574) · FFIEC NIC profile (RSSD 1176881)