Monet Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Monet Bank of Plano, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 5.94% | 1.46% | +4.48% | 99th top |
| ROAE | 19.15% | 12.71% | +6.44% | 87th top |
| Net Interest Margin | 7.28% | 3.84% | +3.44% | 99th top |
| Efficiency Ratio | 15.81% | 57.46% | -41.65% | 99th top |
| PPNR / Avg Assets | 6.56% | 1.87% | +4.69% | 99th top |
| Yield on Earning Assets | 9.58% | 5.71% | +3.87% | 99th top |
| Cost of Funds | 3.09% | 2.01% | +1.08% | 7th bottom |
| Net Interest Spread | 6.33% | 3.18% | +3.15% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 25.76% | 0.97% | +24.79% | 0th bottom |
| NPA / Total Assets | 3.77% | 0.76% | +3.01% | 2nd bottom |
| NCO / Avg Loans | -8.86% | 0.44% | -9.30% | 100th top |
| ACL / Total Loans | 1.47% | 1.31% | +0.16% | 84th top |
| ACL / NPLs (Coverage) | 5.70% | 544.02% | -538.32% | 0th bottom |
| Texas Ratio | 11.88% | 7.38% | +4.50% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 135.52% | 17.16% | +118.36% | 99th top |
| Tier 1 Ratio | 135.52% | 17.19% | +118.33% | 99th top |
| Total Capital Ratio | 136.07% | 18.24% | +117.83% | 99th top |
| Leverage Ratio | 31.69% | 11.41% | +20.28% | 99th top |
| Equity / Assets | 31.55% | 11.31% | +20.24% | 99th top |
| TCE / Tangible Assets | 31.55% | 10.47% | +21.08% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.76% | 87.00% | -37.24% | 97th top |
| Core Deposit Ratio | 50.66% | 85.60% | -34.94% | 2nd bottom |
| Uninsured Deposit Ratio | 80.17% | 33.06% | +47.11% | 1st bottom |
| Wholesale Funding Ratio | 38.76% | 5.65% | +33.11% | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -43.29% | 9.75% | -53.04% | 0th bottom |
| Loan Growth (Y/Y) | 18.48% | 8.04% | +10.44% | 90th top |
| Deposit Growth (Y/Y) | -63.58% | 7.96% | -71.54% | 0th bottom |
See Monet Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Monet Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Monet Bank profile, how to read a UBPR, or how this data updates.