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Monet Bank

IDRSSD: 1176881
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2024-Q1QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #1176881 2024-Q1 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

Liquidity:Stable
Securities:Risk
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 75.5% of deposits (threshold 30%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.2% (Adjusted NPL + Performing Mods denominator).
  3. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.2% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    ↓ -7
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -5
75
Sub-score

Liquidity is stable: brokered 75.5%, loans/deposits 34.3%, cash 8.0% of assets.

Cash / Assets
7.96%
Loans / Deposits
34.34%
Brokered %
75.45%

Watch Items

  • riskBrokered deposits above 30% — Brokered 75.5% of deposits (threshold 30%).

Securities

RiskQoQ -7
0
Sub-score

Securities profile is weak: securities 55.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
55.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 78.16%, CET1 78.16%, leverage 20.43%.

Tier 1 RBC
78.16%
CET1
78.16%
Leverage
20.43%
No watch items at this period.

Asset Quality

StableQoQ +1
63
Sub-score

Asset quality is stable: Adjusted NPL 6.08%, Texas Ratio 4.3%, NCO YTD -0.06%.

Adjusted NPL
6.08%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
-0.06%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.08% (govt-guarantees stripped).

Reserves

RiskQoQ +3
32
Sub-score

Reserves are weak: ALLL 1.45% of loans, coverage 24.2%, true coverage 24.2%.

ALLL / Loans
1.45%
Coverage
24.2%
True Loss Coverage
24.2%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.2% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 10:27:39 UTC