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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
57
/ 100
WatchAs of 2025-Q1QoQ -2

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

Quarterly Headline

2025-Q1

Bank #1176881 2025-Q1 Vital Signs Score: 57/100 — overall watch. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 79.9% of deposits (threshold 30%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 13.05% (govt-guarantees stripped).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -4
61
Sub-score

Liquidity is stable: brokered 79.9%, loans/deposits 9.8%, cash 1.4% of assets.

Cash / Assets
1.42%
Loans / Deposits
9.76%
Brokered %
79.89%

Watch Items

  • riskBrokered deposits above 30% — Brokered 79.9% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.42% of assets (threshold 3%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 85.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
85.59%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 244.38%, CET1 244.38%, leverage 17.03%.

Tier 1 RBC
244.38%
CET1
244.38%
Leverage
17.03%
No watch items at this period.

Asset Quality

WatchQoQ -6
60
Sub-score

Asset quality is deteriorating: Adjusted NPL 13.05%, Texas Ratio 4.1%, NCO YTD -0.01%.

Adjusted NPL
13.05%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
-0.01%
30-89 PD
1.42%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 13.05% (govt-guarantees stripped).

Reserves

RiskQoQ -1
33
Sub-score

Reserves are weak: ALLL 3.66% of loans, coverage 29.1%, true coverage 29.1%.

ALLL / Loans
3.66%
Coverage
29.1%
True Loss Coverage
29.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.1% (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