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Monet Bank

Plano, TX · Cert 32574

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

95

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

100

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Monet Bank

Plano, TX · Cert 32574

State charter, non-member · FDIC · 6 branches

Q2 2026

$3.2BAssets
$454.3MLoans
$913.0MDeposits
$997.0MEquity
Loan mix
96%RE $352.4M3%C&I $12.7M0%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $814.7M11%Noninterest $98.3MQ2 2025Q2 2026

NIM

5.26%Q2 ’245.02%Q2 ’256.44%Q2 ’26-24%+163%

Non-interest income vs. expense

1.29%Q2 ’240.70%Q2 ’251.29%Q2 ’26+121%-140%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #64 of 166 inst. · $0.7B of $732.8B

1.3% Collin
0.1% Harris
0.0% Dallas
0.0% San Diego

Executive Summary

  • Earnings: ROA of 4.06%, up 348 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 25.76% of loans (+1,323 bps YoY), with net recoveries of 4.13%.
  • Capital: tier 1 leverage ratio of 31.69%, up 1,125 bps from a year ago.
  • Funding: loans stand at 49.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

4.06%+348 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+265 bps YoY

Efficiency Ratio (YTD, annualized)

20.61%-9,387 bps YoY

Tier 1 Leverage Ratio

31.69%+1,125 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.31%0.58%2.39%4.06%+348 bps
Return on Equity3.15%1.53%2.65%7.47%12.77%+962 bps
Net Interest Margin1.63%1.81%2.00%1.80%4.28%+265 bps
Efficiency Ratio114.48%147.82%80.35%28.57%20.61%-9,387 bps
Non-Interest Burden1.72%2.08%1.72%-1.45%-0.68%-240 bps
Growth
Asset Growth (YoY)16.49%-23.04%-46.40%-49.97%-43.29%-5,978 bps
Loan Growth (YoY)-53.99%-79.02%-57.85%-5.23%18.48%+7,247 bps
Deposit Growth (YoY)4.36%-49.66%-73.06%-75.16%-63.58%-6,794 bps
Asset Quality
Nonperforming Loans / Loans12.53%5.63%34.06%36.60%25.76%+1,323 bps
Net Charge-Offs / Loans1.11%0.51%0.33%-0.07%-4.13%-524 bps
Allowance / Loans3.28%3.27%1.29%1.27%1.47%-181 bps
Allowance Coverage of NPLs0.3x0.6x0.0x0.0x0.1x-0.2x
Capital
Tier 1 Leverage Ratio20.44%25.18%29.43%29.16%31.69%+1,125 bps
Total Risk-Based Capital230%253%171.98%145.31%136.07%-9,406 bps
Equity / Assets20.88%25.95%33.36%30.33%31.55%+1,066 bps
Liquidity & Funding
Loans / Deposits15.29%19.53%35.48%38.68%49.76%+3,446 bps
Liquid Assets / Assets5.69%3.71%42.80%36.47%33.83%+2,813 bps
CRE / Total Capitaln/a11.58%16.42%20.75%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Monet Bank

Plano, TX · Cert 32574 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20)

State charter, non-member · FDIC · 6 branches

Q2 2026

$3.2BAssets
$454.3MLoans
$913.0MDeposits
$997.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 1 of 20).
  • Widest gap: nonperforming loans / loans trails 95% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 20 of 20).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

4.23%

Rank 1 of 20

Net Interest Margin

4.28%

Rank 5 of 20

Efficiency Ratio

20.61%

Rank 1 of 20

Equity / Assets

31.55%

Rank 1 of 20

Non-interest income vs. expense

$62.1M$40.6MINCOMEEXPENSE
Favorable gap of $21.5M · efficiency ratio beats 100% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 20.61%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets4.23%0.68%1.15%1.86%Beats 95%1 / 20
Return on Equity13.42%7.45%10.95%14.25%Beats 70%6 / 20
Net Interest Margin4.28%2.87%3.58%4.28%Beats 75%5 / 20
Efficiency Ratio20.61%52.33%65.48%74.79%Beats 100%1 / 20
Asset Quality
Nonperforming Loans / Loans25.76%0.18%0.42%1.54%Beats 5%20 / 20
Net Charge-Offs / Loans0.03%0.00%0.02%0.14%Beats 40%13 / 20
Capital
Tier 1 Capital Ratio135.52%13.35%15.71%17.39%Beats 95%1 / 20
Total Risk-Based Capital Ratio136.07%14.55%16.02%18.64%Beats 95%1 / 20
Equity / Assets31.55%9.74%11.64%13.21%Beats 95%1 / 20
Liquidity & Funding
Loans / Deposits49.76%72.63%81.14%96.60%5th pctl19 / 20
Loans / Assets14.37%60.26%69.54%79.68%0th pctl20 / 20
Brokered Deposits / Depositsn/aNot reported for this institution