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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