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
Favorable gap of $21.5M · efficiency ratio beats 100% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 4.23% | 0.68% | 1.15% | 1.86% | Beats 95% | 1 / 20 | | |
| Return on Equity | 13.42% | 7.45% | 10.95% | 14.25% | Beats 70% | 6 / 20 | | |
| Net Interest Margin | 4.28% | 2.87% | 3.58% | 4.28% | Beats 75% | 5 / 20 | | |
| Efficiency Ratio | 20.61% | 52.33% | 65.48% | 74.79% | Beats 100% | 1 / 20 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 25.76% | 0.18% | 0.42% | 1.54% | Beats 5% | 20 / 20 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.14% | Beats 40% | 13 / 20 | | |
| Capital |
| Tier 1 Capital Ratio | 135.52% | 13.35% | 15.71% | 17.39% | Beats 95% | 1 / 20 | | |
| Total Risk-Based Capital Ratio | 136.07% | 14.55% | 16.02% | 18.64% | Beats 95% | 1 / 20 | | |
| Equity / Assets | 31.55% | 9.74% | 11.64% | 13.21% | Beats 95% | 1 / 20 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.76% | 72.63% | 81.14% | 96.60% | 5th pctl | 19 / 20 | | |
| Loans / Assets | 14.37% | 60.26% | 69.54% | 79.68% | 0th pctl | 20 / 20 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |