Monet Bank

Plano, TexasFDIC Cert #32574

STATEEstablished 19886 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
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

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$366M

−5.2%y/y

Percentile by value2nd percentileby value

FDICLNLSGR

Net loans

$362M

−2.9%y/y

Percentile by value2nd percentileby value

FDICLNLSNET

Loans YoY

−2.88%

+94.8%y/y

Percentile by value10th percentileby value

FDICLNLSNET

L/D

38.2%

+291.1%y/y

Percentile by value3rd percentileby value

FDICLNLSNET + DEP

Loans/assets

11.4%

+94.1%y/y

Percentile by value2nd percentileby value

FDICLNLSNET + ASSET

RE loans %

96.45%

+6.8%y/y

Percentile by value87th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

11,036%

+387.8%y/y

Percentile by value100th percentileby value

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

3,444%

Percentile by value100th percentileby value

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,128points

−21.4%y/y

Peer standing14th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

31.95%

+11.1%y/y

Percentile by value85th percentileby value

FDICLNRENROT + LNLSGR

C&I %

3.46%

−63.1%y/y

Percentile by value11th percentileby value

FDICLNCI + LNLSGR