Monet Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Yield on loans: 26.84 percentage points higher than in Q1 2026, at 33.48%. Monet Bank ranks 276th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 49.76% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Monet Bank sits 38.45 points lower, at 49.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $454.3M |
| Net loans and leases | $447.6M |
| Loans held for sale | $0 |
| Loans to total assets | 14.37% |
| Loan-to-deposit ratio | 49.76% |
| Net loans to equity capital | 0.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.57% |
| Multifamily (5+ residential) | 3.95% |
| Commercial and industrial | 2.42% |
| Consumer | 0.25% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.19% |
| Construction concentration (Tier 1 capital + allowance) | 6.37% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 33.48% |
| Interest income on loans | $35.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $573.3M | $3.23B | 19.46% | 28.86% | 0.58% |
| Q4 2023 | $754.3M | $2.05B | 16.77% | 41.37% | 0.42% |
| Q1 2024 | $836.4M | $2.40B | 15.06% | 47.38% | 0.35% |
| Q2 2024 | $833.3M | $2.40B | 15.13% | 47.46% | 0.33% |
| Q3 2024 | $1.65B | $3.53B | 9.56% | 23.68% | 0.15% |
| Q4 2024 | $947.3M | $4.18B | 21.19% | 45.86% | 0.25% |
| Q1 2025 | $386.6M | $3.81B | 28.75% | 9.36% | 0.62% |
| Q2 2025 | $383.4M | $2.51B | 29.46% | 10.47% | 0.50% |
| Q3 2025 | $347.0M | $1.78B | 32.59% | 3.63% | 0.47% |
| Q4 2025 | $399.3M | $1.13B | 29.36% | 3.18% | 0.37% |
| Q1 2026 | $366.4M | $947.3M | 31.95% | 3.46% | 0.35% |
| Q2 2026 | $454.3M | $913.0M | 46.57% | 2.42% | 0.25% |
Monet Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Monet Bank, freeSource: Call Report Schedule RC-C, 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)