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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
WatchAs of 2024-Q4QoQ -5

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

Quarterly Headline

2024-Q4

Bank #1176881 2024-Q4 Vital Signs Score: 60/100 — overall watch. 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 84.5% of deposits (threshold 30%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.32% (govt-guarantees stripped).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    ↓ -9
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    ↑ +18

The five pillars

Liquidity

StableQoQ -15
65
Sub-score

Liquidity is stable: brokered 84.5%, loans/deposits 22.3%, cash 3.4% of assets.

Cash / Assets
3.38%
Loans / Deposits
22.30%
Brokered %
84.53%

Watch Items

  • riskBrokered deposits above 30% — Brokered 84.5% of deposits (threshold 30%).

Securities

RiskQoQ -9
0
Sub-score

Securities profile is weak: securities 68.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
68.91%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 67.25%, CET1 67.25%, leverage 17.47%.

Tier 1 RBC
67.25%
CET1
67.25%
Leverage
17.47%
No watch items at this period.

Asset Quality

StableQoQ -12
66
Sub-score

Asset quality is stable: Adjusted NPL 5.32%, Texas Ratio 4.4%, NCO YTD -0.03%.

Adjusted NPL
5.32%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
-0.03%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.32% (govt-guarantees stripped).

Reserves

RiskQoQ +18
34
Sub-score

Reserves are weak: ALLL 1.65% of loans, coverage 31.5%, true coverage 31.5%.

ALLL / Loans
1.65%
Coverage
31.5%
True Loss Coverage
31.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.5% (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