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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