BlastPoint's Banking Scorecard
Monet Bank
Community
Specialty: Other
TX
FDIC cert 32574
Plano, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Monet Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 48.04% below tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1% in Community
- - Net Interest Margin 2.05% below tier
- - Non-Interest-Bearing Deposit Share 11.35% below tier
- - Nonperforming Asset Ratio 3.43% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
-46.4% YoY
-20.9% QoQ
|
+$2.2B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$394.2M
-57.7% YoY
+17.4% QoQ
|
-$581.3M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$1.1B
-73.1% YoY
-36.7% QoQ
|
-$39.2M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
0.58%
-85.6% YoY
+88.7% QoQ
|
-0.59% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
1.62%
-9.7% YoY
+4.6% QoQ
|
-2.05% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
80.35%
+361.1% YoY
-45.6% QoQ
|
+17.72% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
34.50%
+548.4% YoY
+492.9% QoQ
|
+33.87% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? |
35.02%
+57.1% YoY
+85.4% QoQ
|
-48.04% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.69%
+581.4% YoY
+33.2% QoQ
|
-11.35% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
3.93%
+390.9% YoY
+646.8% QoQ
|
+3.43% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
171.75%
+155.4% YoY
-31.8% QoQ
|
+161.51% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
-0.67%
-116.9% YoY
+28.7% QoQ
|
-1.41% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
35.02%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (4)
Efficiency Drag
risk
#1 of 152 · Bottom 1% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
80.35%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.62%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Community
Why this stands out
Current:
9.69%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.93%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Loan-to-Deposit Ratio
Current: 35.02% · Tier avg: 83.06%
95
95th pctile
Total Assets
Current: $3.5B · Tier avg: $1.4B
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
14
14th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.16%
14
14th pctile
Total Loans
Current: $394.2M · Tier avg: $975.5M
10
10th pctile
Efficiency Ratio
Current: 80.35% · Tier avg: 62.63%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.69% · Tier avg: 21.05%
1
1th pctile
Net Interest Margin
Current: 1.62% · Tier avg: 3.66%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.93% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.93% · Tier avg: 0.50%
1
1th pctile
Net Interest Margin
Current: 1.62% · Tier avg: 3.66%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.69% · Tier avg: 21.05%
10
10th pctile
Efficiency Ratio
Current: 80.35% · Tier avg: 62.63%
14
14th pctile
Total Loans
Current: $394.2M · Tier avg: $975.5M
14
14th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.16%
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
95
95th pctile
Total Assets
Current: $3.5B · Tier avg: $1.4B
99
99th pctile
Loan-to-Deposit Ratio
Current: 35.02% · Tier avg: 83.06%