$3.17B
−50.0%y/y
Peer standing8th percentile
FDIC
ASSETMB
Monet Bank
Plano, TexasFDIC Cert #32574
STATEEstablished 19886 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportMonet Bank reported $3.17B in total assets. Deposits declined 75.16% over the prior year.
Return on assets was 2.39%, compared with an asset-peer median of 1.31%. The leverage ratio was 29.16%.
- Why is noncurrent loan ratio above asset peers?
- Why is deposit growth, year over year below asset peers?
- Why is tier 1 leverage ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$947M
−75.2%y/y
Peer standing1st percentile
FDIC
DEP$362M
−2.9%y/y
Peer standing2nd percentile
FDIC
LNLSNET2.39%
+183 bpsy/y
Peer standing94th percentile
FDIC
NETINC + ROA28.57%
−26,903 bpsy/y
Peer standing99th percentile
FDIC
NONIX + NIM + NONII + EEFFR29.16%
+1,213 bpsy/y
Peer standing100th percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.74B | $1.06B |
| Q3 2021 | $2.06B | $1.32B |
| Q4 2021 | $2.1B | $1.35B |
| Q1 2022 | $3.08B | $2.15B |
| Q2 2022 | $4.5B | $2.51B |
| Q3 2022 | $5.38B | $3.2B |
| Q4 2022 | $6.67B | $4.5B |
| Q1 2023 | $7.65B | $4.24B |
| Q2 2023 | $6.48B | $2.97B |
| Q3 2023 | $6.95B | $3.23B |
| Q4 2023 | $5.71B | $2.05B |
| Q1 2024 | $4.84B | $2.4B |
| Q2 2024 | $4.78B | $2.4B |
| Q3 2024 | $5.82B | $3.53B |
| Q4 2024 | $6.62B | $4.18B |
| Q1 2025 | $6.33B | $3.81B |
| Q2 2025 | $5.57B | $2.51B |
| Q3 2025 | $4.48B | $1.78B |
| Q4 2025 | $3.55B | $1.13B |
| Q1 2026 | $3.17B | $947M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $117M |
| Multifamily | $18.9M |
| Construction | $61.7M |
| 1–4 family | $155M |
| C&I | $12.7M |
| Agriculture | $0 |
| Other | $1.28M |
Peer comparison
How this bank compares
WorsePeer medianBetter
ROA
FDIC
NETINC + ROA2.39%94th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE7.47%16th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY1.92%5th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR28.57%99th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP−75.16%0th percentileToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET−2.88%10th percentileToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR36.84%0th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ29.16%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
IB deposit cost
FDIC
EINTEXP + DEPIDOM8.29%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + RBCT211,036%100th percentileToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 1,687%Median 3,041%90th 5,284%Observations 235
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Rows are oriented using each metric's registry polarity.
WorsePeer medianBetter
ROA
FDIC
NETINC + ROA2.39%92nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.38%90th 2.31%Observations 352
ROE
FDIC
NETINC + ROE7.47%19th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.93%Median 12.94%90th 22.26%Observations 352
NIM
FDIC
NIM + NIMY1.92%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.88%Median 4.04%90th 5.04%Observations 352
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR28.57%98th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.54%Median 62.04%90th 86.78%Observations 352
Deposits YoY
FDIC
DEP−75.16%0th percentileToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.62%Median +5.10%90th +21.38%Observations 349
Loans YoY
FDIC
LNLSNET−2.88%16th percentileToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.14%Median +4.54%90th +21.86%Observations 348
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR36.84%0th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.35%90th 2.30%Observations 348
Leverage
FDIC
RBC1AAJ29.16%99th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.37%Median 11.38%90th 15.81%Observations 352
IB deposit cost
FDIC
EINTEXP + DEPIDOM8.29%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.45%Median 2.40%90th 3.46%Observations 349
CRE/capital
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + RBCT211,036%99th percentileToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 642%Median 2,618%90th 4,516%Observations 200
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Rows are oriented using each metric's registry polarity.
Branches & markets
Physical footprint
6 domestic branches reported in the latest Call Report.
FDIC
OFFDOM Credit quality
Asset quality trends
Five-year past-due, nonaccrual, and charge-off trends will provide a clear view of asset quality through changing credit cycles.
History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data