Monet Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Non-performing loans to loans dropped 10.85 percentage points in Q2 2026, from 36.61% to 25.76%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Monet Bank ranks 2nd highest among the 345 banks headquartered in Texas, at 5.94% (Q2 2026). Monet Bank's return on assets of 5.94% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 4.67 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 135.52% |
| Tier 1 risk-based capital ratio | 135.52% |
| Total risk-based capital ratio | 136.07% |
| Tier 1 leverage ratio | 31.69% |
| Equity capital to assets | 31.55% |
| Tangible equity to tangible assets | 31.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 25.76% |
| Non-performing assets ratio | 3.77% |
| Net charge-off ratio | -8.86% |
| Texas ratio | 11.88% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 5.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 5.94% |
| Return on equity | 19.15% |
| Net interest margin | 7.28% |
| Efficiency ratio | 15.81% |
| Yield on earning assets | 9.58% |
| Cost of funds | 3.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.76% |
| Core deposits to total deposits | 50.66% |
| Brokered deposits to total deposits | 38.65% |
| Deposits to assets | 28.89% |
| Securities to assets | 42.64% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 97.58% | 97.58% | 97.90% | 15.49% | 6.89% |
| Q4 2023 | 68.80% | 68.80% | 69.23% | 14.79% | -5.35% |
| Q1 2024 | 78.16% | 78.16% | 78.70% | 20.44% | 11.25% |
| Q2 2024 | 70.47% | 70.47% | 71.12% | 21.47% | 3.22% |
| Q3 2024 | 59.22% | 59.22% | 59.93% | 17.58% | -4.62% |
| Q4 2024 | 67.25% | 67.25% | 67.95% | 17.48% | 5.72% |
| Q1 2025 | 244.38% | 244.38% | 245.64% | 17.03% | 0.53% |
| Q2 2025 | 228.87% | 228.87% | 230.13% | 20.44% | 0.63% |
| Q3 2025 | 251.72% | 251.72% | 252.97% | 25.18% | -0.42% |
| Q4 2025 | 171.75% | 171.75% | 171.98% | 29.43% | 1.74% |
| Q1 2026 | 145.04% | 145.04% | 145.31% | 29.16% | 2.45% |
| Q2 2026 | 135.52% | 135.52% | 136.07% | 31.69% | 5.94% |
Monet Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Monet Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)