BlastPoint's Banking Scorecard

Monet Bank

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

Plano, TX

6 branches across TX · CA · OH

884 banks in the $1B-$10B peer group nationally 80 in TX

Monet Bank has 3 strengths but faces 3 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 4.1% in tier
+ Revenue Diversifier: Top 7.7% in tier
+ Efficiency Ratio 32.49% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.90% below tier average
- Delinquency Rate 36.18% above tier average
- Nonperforming Asset Ratio 3.67% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$3.2B -50.0% YoY -10.7% QoQ	+$352.9M	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$361.8M -2.9% YoY -8.2% QoQ	-$1.6B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 1.9% in tier
Total Deposits ?	$947.3M -75.2% YoY -15.8% QoQ	-$1.4B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 11.1% in tier
Return on Assets ?	2.39% +327.0% YoY +313.8% QoQ	+1.02%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 4.6% in tier
Net Interest Margin ?	1.92% +2.7% YoY +18.4% QoQ	-1.90%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 1.8% in tier
Efficiency Ratio ?	28.57% -90.4% YoY -64.4% QoQ	-32.49%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 1.6% in tier
Delinquency Rate ?	37.07% +184.1% YoY +7.4% QoQ	+36.18%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 0.1% in tier
Loan-to-Deposit Ratio ?	38.19% +291.1% YoY +9.0% QoQ	-46.02%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 2.5% in tier
Non-Interest-Bearing Deposit Share ?	11.82% +95.7% YoY +22.0% QoQ	-9.47%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	16%
Nonperforming Asset Ratio ?	4.34% +425.3% YoY +10.5% QoQ	+3.67%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 0.5% in tier
Tier 1 Capital Ratio ?	145.04% -40.7% YoY -15.6% QoQ	+129.88%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 0.1% in tier
Non-Interest Income / Assets ?	0.71% +286.8% YoY +204.9% QoQ	+0.45%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 4.5% in tier

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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

#10 of 221 • Top 4.1% in tier

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

Why this signature

Return on Assets: 2.39%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#18 of 221 • Top 7.7% 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: 0.71%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 2.39%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Tier 1 Capital Ratio

capital

Value: 145.04%

Peer Median: 15.16%

#2 of 884 Top 0.1% in $1B-$10B

Efficiency Ratio

profitability

Value: 28.57%

Peer Median: 61.06%

#15 of 884 Top 1.6% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 38.19%

Peer Median: 84.20%

#23 of 884 Top 2.5% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.71%

Peer Median: 0.26%

#41 of 884 Top 4.5% in $1B-$10B

Return on Assets

profitability

Value: 2.39%

Peer Median: 1.37%

#42 of 884 Top 4.6% in $1B-$10B

Top Weaknesses (6 metrics)

880

Delinquency Rate

credit_quality

Value: 37.07%

Peer Median: 0.89%

#880 of 880 Bottom 0.1% in $1B-$10B

881

Nonperforming Asset Ratio

credit_quality

Value: 4.34%

Peer Median: 0.67%

#881 of 884 Bottom 0.5% in $1B-$10B

869

Net Interest Margin

profitability

Value: 1.92%

Peer Median: 3.82%

#869 of 884 Bottom 1.8% in $1B-$10B

868

Total Loans

size

Value: $361.76M

Peer Median: $1.96B

#868 of 884 Bottom 1.9% in $1B-$10B

787

Total Deposits

size

Value: $947.31M

Peer Median: $2.34B

#787 of 884 Bottom 11.1% in $1B-$10B

741

Non-Interest-Bearing Deposit Share

funding

Value: 11.82%

Peer Median: 21.29%

#741 of 884 Bottom 16.3% in $1B-$10B