Monet Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 12.33 percentage points higher than in Q1 2026, at 55.71%. Within Texas, Monet Bank is 276th of 346 on loan-to-deposit ratio, 49.76% as of Q2 2026, below the middle of the field. Monet Bank reported 49.76% on loan-to-deposit ratio for Q2 2026, 38.45 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.07B |
| Cash and noninterest-bearing balances to assets | 33.85% |
| Cash and securities | $2.42B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.22B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 38.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.76% |
| Net loans and leases to deposits | 49.02% |
| Loans and leases to core deposits | 55.71% |
| Core deposits to total deposits | 50.66% |
| Brokered deposits to total deposits | 38.65% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 17.73% | 22.83% | $0 | $2.62B |
| Q4 2023 | 36.71% | 26.01% | $0 | $2.51B |
| Q1 2024 | 34.84% | 20.24% | $0 | $1.25B |
| Q2 2024 | 34.69% | 21.13% | $0 | $1.25B |
| Q3 2024 | 46.86% | 14.67% | $0 | $1.17B |
| Q4 2024 | 22.67% | 12.47% | $0 | $1.21B |
| Q1 2025 | 10.14% | 17.04% | $0 | $1.27B |
| Q2 2025 | 15.29% | 29.36% | $0 | $1.85B |
| Q3 2025 | 19.53% | 29.35% | $0 | $1.51B |
| Q4 2025 | 35.48% | 43.38% | $0 | $1.22B |
| Q1 2026 | 38.68% | 49.97% | $0 | $1.24B |
| Q2 2026 | 49.76% | 50.66% | $0 | $1.22B |
Monet Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Monet Bank, freeSource: Call Report Schedules RC and RC-M, 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)