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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2025-Q2QoQ -3

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

Quarterly Headline

2025-Q2

Bank #1176881 2025-Q2 Vital Signs Score: 54/100 — 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 66.0% of deposits (threshold 30%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 12.95% (govt-guarantees stripped).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +10
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -19
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +10
70
Sub-score

Liquidity is stable: brokered 66.0%, loans/deposits 14.8%, cash 5.7% of assets.

Cash / Assets
5.72%
Loans / Deposits
14.79%
Brokered %
65.96%

Watch Items

  • riskBrokered deposits above 30% — Brokered 66.0% of deposits (threshold 30%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 79.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
79.82%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 228.87%, CET1 228.87%, leverage 20.44%.

Tier 1 RBC
228.87%
CET1
228.87%
Leverage
20.44%
No watch items at this period.

Asset Quality

WatchQoQ -19
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 12.95%, Texas Ratio 4.1%, NCO YTD 2.24%.

Adjusted NPL
12.95%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
2.24%
30-89 PD
1.83%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 12.95% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.24% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 3.28% of loans, coverage 26.2%, true coverage 26.1%.

ALLL / Loans
3.28%
Coverage
26.2%
True Loss Coverage
26.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.1% (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