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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2024-Q3QoQ +3

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

Quarterly Headline

2024-Q3

Bank #1176881 2024-Q3 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 81.8% of deposits (threshold 30%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.8% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 31.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    ↑ +9
  • Capitalization
    — —
  • Asset Quality
    ↑ +13
  • Reserves
    ↓ -17

The five pillars

Liquidity

StrongQoQ +7
80
Sub-score

Liquidity is strong: brokered 81.8%, loans/deposits 46.4%, cash 10.2% of assets.

Cash / Assets
10.18%
Loans / Deposits
46.41%
Brokered %
81.76%

Watch Items

  • riskBrokered deposits above 30% — Brokered 81.8% of deposits (threshold 30%).

Securities

RiskQoQ +9
9
Sub-score

Securities profile is weak: securities 47.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
47.19%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 59.22%, CET1 59.22%, leverage 17.58%.

Tier 1 RBC
59.22%
CET1
59.22%
Leverage
17.58%
No watch items at this period.

Asset Quality

StableQoQ +13
78
Sub-score

Asset quality is stable: Adjusted NPL 3.05%, Texas Ratio 4.8%, NCO YTD 0.18%.

Adjusted NPL
3.05%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.18%
30-89 PD
0.30%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.05% (govt-guarantees stripped).

Reserves

RiskQoQ -17
16
Sub-score

Reserves are weak: ALLL 0.96% of loans, coverage 31.8%, true coverage 31.8%.

ALLL / Loans
0.96%
Coverage
31.8%
True Loss Coverage
31.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.8% (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