| Metric | Monet Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -43.3% | +5.5% | -48.8 pts |
| Deposit growth (YoY) | -63.6% | +5.1% | -68.6 pts |
| Loan growth (YoY) | +20.7% | +5.9% | +14.8 pts |
| ROA | 4.06% | 1.26% | +2.8 pts |
| ROE | 12.8% | 12.2% | +0.6 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.16B | $913.0M | $447.6M | $997.0M | $66.9M | 4.06% | 4.51% | 3.80% |
| Q1 2026 | $3.17B | $947.3M | $361.8M | $961.0M | $20.0M | 2.39% | 1.92% | 4.34% |
| Q4 2025 | $3.55B | $1.13B | $394.2M | $1.18B | $30.6M | 0.58% | 1.62% | 3.93% |
| Q3 2025 | $4.48B | $1.78B | $335.7M | $1.16B | $13.2M | 0.31% | 1.55% | 0.53% |
| Q2 2025 | $5.57B | $2.51B | $370.8M | $1.16B | $18.0M | 0.58% | 1.61% | 0.92% |
| Q1 2025 | $6.33B | $3.81B | $372.5M | $1.17B | $9.0M | 0.56% | 1.87% | 0.83% |
| Q4 2024 | $6.62B | $4.18B | $931.7M | $1.10B | $221.8M | 3.99% | 1.79% | 0.80% |
| Q3 2024 | $5.82B | $3.53B | $1.64B | $1.01B | $131.2M | 3.31% | 1.83% | 0.92% |
Loan mix (Q2 2026): real estate $442.2M · commercial $11.0M · consumer $1.1M · securities $1.35B
| Ratio | Monet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.06% | 1.26% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 12.2% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 20.6% | 59.0% | 1st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Monet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Monet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Monet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Monet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Monet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 7 counties across 4 states (+0 vs 2024) · $2.51B branch deposits. Biggest market: Collin, TX, ranked 6th with 4.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Collin, TX | 1 | $2.05B | 4.73% | 6th |
| Harris, TX | 1 | $218.8M | 0.07% | 68th |
| Dallas, TX | 1 | $155.8M | 0.06% | 73rd |
| 4 more counties with Pro → | ||||
Texas: 63rd with 0.15% · California: 341st with 0.00% · Pennsylvania: 355th with 0.00% · Ohio: 368th with 0.00% · Dallas-Fort Worth-Arlington metro: 26th, 0.33% · Houston-Pasadena-The Woodlands metro: 88th, 0.06% ·
Branch count: 2022 9 · 2023 9 · 2024 7 · 2025 7