BlastPoint's Banking Scorecard

Monet Bank

$1B-$10B Specialty: Other TX FDIC cert 32574

Plano, TX

6 branches across TX · CA · OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits -63.6% year over year ($913.0M on the books).
Delinquency rate 26.14%.
Return on assets 4.06%.
Efficiency ratio 20.61% vs a 59.73% peer average.
Loan-to-deposit ratio 49.02% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

Monet Bank has 4 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 1.3% in tier
+ Revenue Diversifier: Top 3.2% in tier
+ Efficiency Ratio 39.12% below tier average
+ Net Interest Margin 0.63% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 3.8% in tier
- Liquidity Overhang: Bottom 40.1% in tier
- NIB Deposit Bleed: Bottom 47.8% in tier
- Delinquency Rate 25.27% above tier average
- Nonperforming Asset Ratio 3.12% above tier average

Get updates when Monet Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$3.2B -43.3% YoY -0.3% QoQ	+$367.2M	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	72%
Total Loans ?	$447.6M +20.7% YoY +23.7% QoQ	-$1.5B	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 2.3% in tier
Total Deposits ?	$913.0M -63.6% YoY -3.6% QoQ	-$1.4B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 8.8% in tier
Return on Assets ?	4.06% +596.5% YoY +70.3% QoQ	+2.67%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 1.5% in tier
Net Interest Margin ?	4.51% +180.0% YoY +135.2% QoQ	+0.63%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 12.4% in tier
Efficiency Ratio ?	20.61% -80.1% YoY -27.9% QoQ	-39.12%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 0.7% in tier
Delinquency Rate ?	26.14% +101.8% YoY -29.5% QoQ	+25.27%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 0.1% in tier
Loan-to-Deposit Ratio ?	49.02% +231.4% YoY +28.4% QoQ	-36.01%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 3.4% in tier
Non-Interest-Bearing Deposit Share ?	10.76% -19.6% YoY -9.0% QoQ	-10.51%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Bottom 12.0% in tier
Nonperforming Asset Ratio ?	3.80% +311.4% YoY -12.6% QoQ	+3.12%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 0.8% in tier
Tier 1 Capital Ratio ?	135.52% -40.8% YoY -6.6% QoQ	+120.67%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 0.1% in tier
Non-Interest Income / Assets ?	0.98% +347.4% YoY +38.9% QoQ	+0.46%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 6.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	10.8% -2.6pp YoY -1.1pp QoQ	-10.6pp	21.4%	29.2%	22.2%	12%
Brokered Deposits	38.7% -27.3pp YoY -0.5pp QoQ	+29.2pp	9.5%	8.0%	8.5%	97%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	2.5% -8.4pp YoY -1.0pp QoQ	-11.6pp	14.0%	14.8%	12.5%	7%
CRE	65.6% +11.0pp QoQ	+15.6pp	50.0%	48.4%	41.4%	84%
1-4 Family	33.2% -22.3pp YoY -9.6pp QoQ	+6.8pp	26.4%	25.8%	31.3%	72%
Consumer	0.3% -0.3pp YoY -0.1pp QoQ	-4.5pp	4.7%	4.7%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	135.5% -93.3pp YoY -9.5pp QoQ	+119.9pp	15.6%	22.7%	19.7%	100%
Leverage Ratio	31.7% +11.3pp YoY +2.5pp QoQ	+20.4pp	11.3%	12.6%	12.6%	99%
Total Capital Ratio	136.1% -94.1pp YoY -9.2pp QoQ	+119.4pp	16.7%	23.8%	20.8%	100%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	59 +5 (+9.3%) YoY +1 (+1.7%) QoQ	-255	313	186	482	1%
Assets per Employee ($)	$53.6M -48.1% YoY -1.9% QoQ	+$43.1M	$10.5M	$10.1M	$8.8M	99%
Branch Count	6 -1 (-14.3%) YoY 0 QoQ	-14	20	12	18	14%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	26.3% +13.1pp YoY -11.0pp QoQ	+25.5pp	0.8%	1.0%	1.0%	100%
Allowance Coverage	0.06x -78.2% YoY +65.0% QoQ	-18.65x	18.71x	18.82x	20.23x	0%
Net Charge-off Rate (YTD)	-4.6% -5.4pp YoY -4.5pp QoQ	-4.9pp	0.3%	0.1%	0.2%	0%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	12.8% +9.6pp YoY +5.3pp QoQ	+0.2pp	12.6%	13.2%	11.6%	54%
Cost of Funds (YTD)	2.3% -1.1pp YoY 0.0pp QoQ	+0.4pp	1.9%	1.6%	1.7%	76%
Net Income ($, YTD)	$66.9M +271.3% YoY — QoQ	+$47.6M	$19.2M	$15.9M	$40.4M	97%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#4 of 222 • Top 1.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 4.06%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Revenue Diversifier

growth

#8 of 222 • Top 3.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.98%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 4.06%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (3)

Deposit Outflow

decline

#6 of 131 • Bottom 3.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#70 of 172 • Bottom 40.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 135.52%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 49.02%

(Tier: 85.04%, National: 79.03%)

better than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#23 of 46 • Bottom 47.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 10.76%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

Tier 1 Capital Ratio

capital

Value: 135.52%

Peer Median: 14.84%

#2 of 885 Top 0.1% in $1B-$10B

Efficiency Ratio

profitability

Value: 20.61%

Peer Median: 59.73%

#7 of 885 Top 0.7% in $1B-$10B

Return on Assets

profitability

Value: 4.06%

Peer Median: 1.39%

#14 of 885 Top 1.5% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 49.02%

Peer Median: 85.04%

#31 of 885 Top 3.4% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.98%

Peer Median: 0.53%

#57 of 885 Top 6.3% in $1B-$10B

111

Net Interest Margin

profitability

Value: 4.51%

Peer Median: 3.87%

#111 of 885 Top 12.4% in $1B-$10B

Top Weaknesses (5 metrics)

882

Delinquency Rate

credit_quality

Value: 26.14%

Peer Median: 0.87%

#882 of 882 Bottom 0.1% in $1B-$10B

879

Nonperforming Asset Ratio

credit_quality

Value: 3.80%

Peer Median: 0.67%

#879 of 885 Bottom 0.8% in $1B-$10B

866

Total Loans

size

Value: $447.59M

Peer Median: $1.96B

#866 of 885 Bottom 2.3% in $1B-$10B

808

Total Deposits

size

Value: $912.99M

Peer Median: $2.32B

#808 of 885 Bottom 8.8% in $1B-$10B

780

Non-Interest-Bearing Deposit Share

funding

Value: 10.76%

Peer Median: 21.27%

#780 of 885 Bottom 12.0% in $1B-$10B