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Monet Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
WatchAs of 2025-Q3QoQ +5

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

Quarterly Headline

2025-Q3

Bank #1176881 2025-Q3 Vital Signs Score: 60/100 — overall watch. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 64.4% of deposits (threshold 30%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.82% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +5 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +16
  • Reserves
    ↑ +15

The five pillars

Liquidity

StableQoQ -4
66
Sub-score

Liquidity is stable: brokered 64.4%, loans/deposits 18.9%, cash 3.7% of assets.

Cash / Assets
3.72%
Loans / Deposits
18.89%
Brokered %
64.44%

Watch Items

  • riskBrokered deposits above 30% — Brokered 64.4% of deposits (threshold 30%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 78.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
78.94%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 251.72%, CET1 251.72%, leverage 25.18%.

Tier 1 RBC
251.72%
CET1
251.72%
Leverage
25.18%
No watch items at this period.

Asset Quality

WatchQoQ +16
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.82%, Texas Ratio 1.7%, NCO YTD -0.89%.

Adjusted NPL
5.82%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
-0.89%
30-89 PD
1.94%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.82% (govt-guarantees stripped).

Reserves

WatchQoQ +15
48
Sub-score

Reserves are deteriorating: ALLL 3.27% of loans, coverage 58.1%, true coverage 58.0%.

ALLL / Loans
3.27%
Coverage
58.1%
True Loss Coverage
58.0%
No watch items at this period.

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