Monet Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs fell to 25.76% from 36.61% in the prior period. Monet Bank is a community bank chartered in 1988, based in Plano, TX. Monet's Q2 2026 balance sheet shows $3.2B in assets funded primarily by $913M in customer deposits. The bank posts a strong 5.94% ROA and 19.15% ROE. A CET1 ratio of 135.52% reflects a balance sheet with almost no risk-weighted lending, typical of a trust or nondepository charter; it is not comparable with commercial bank capital levels. Credit metrics show stress, 25.76% NPLs and a 11.88% Texas Ratio above the 100% historical failure threshold. 6 branches make up the footprint.
As of June 30, 2026, Monet Bank reported a CET1 capital ratio of 135.52%, a return on assets of 5.94%, a nonperforming-loan ratio of 25.76%, a Texas ratio of 11.88%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 6000 Legacy Dr, Plano, TX 75024
- County
- Collin
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 10, 1988
- Former names
- XD Bank (2025); Beal Bank (2020-2025); Beal Bank, SSB (2010-2020); Beal Banc, Savings Association (1992-1994)
- Offices
- 6 domestic
- Employees (FTE)
- 59
- Domestic deposits
- $913.0M
- Allowance for credit losses
- $6.7M
- Net charge-offs (YTD)
- -$9.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32574
- Fed RSSD
- 1176881
- Website
- www.monet.bank →
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Monet Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Monet Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Monet Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Monet Bank: ROA, Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 135.52% | 5.94% | 25.76% | 11.88% | 7.28% |
| Q1 2026 | 145.04% | 2.45% | 36.61% | 14.17% | 1.94% |
| Q4 2025 | 171.75% | 1.74% | 34.07% | 11.66% | 1.87% |
| Q3 2025 | 251.72% | -0.42% | 5.64% | 1.94% | 1.46% |
| Q2 2025 | 228.87% | 0.63% | 12.54% | 4.30% | 1.35% |
| Q1 2025 | 244.38% | 0.53% | 12.58% | 4.36% | 1.76% |
| Q4 2024 | 67.25% | 5.72% | 5.24% | 4.67% | 1.68% |
| Q3 2024 | 59.22% | -4.62% | 3.02% | 5.18% | 0.87% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Monet Bank (main office) | Plano , TX | 75024 | $515.0M |
| Houston Branch | Houston , TX | 77027 | $197.0M |
| Addison Branch | Dallas , TX | 75248 | $137.9M |
| San Diego Branch | San Diego , CA | 92108 | $46.1M |
| Beachwood Branch | Beachwood , OH | 44122 | $9.8M |
| Walnut Creek Branch | Walnut Creek , CA | 94596 | $7.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 14, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 19, 2009 | Structure Change | Acquired New South Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 18, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 8, 2003 | Structure Change | Acquired Southern Pacific Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 7, 2003 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for Monet Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 129 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Monet Bank
What are Monet Bank's total assets?
As of the Q2 2026 filing, Monet Bank reported total assets of $3.16 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Monet Bank headquartered?
Monet Bank is headquartered in Plano, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Monet Bank founded?
Monet Bank was established in 1988, per the FDIC institution directory.
Is Monet Bank FDIC-insured?
Yes. Monet Bank is an FDIC-insured commercial bank (FDIC Certificate #32574). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Monet Bank?
Monet Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Monet Bank's CET1 capital ratio?
Monet Bank reported a Common Equity Tier 1 (CET1) capital ratio of 135.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Monet Bank operate?
Monet Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Monet Bank's Texas Ratio?
Monet Bank's Texas Ratio is 11.88% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Monet Bank previously called?
The charter now named Monet Bank has also operated as XD Bank (2025), Beal Bank (2020-2025), Beal Bank, SSB (2010-2020), Beal Banc, Savings Association (1992-1994), per FDIC structure-change records.
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