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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q4QoQ +9

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

Quarterly Headline

2025-Q4

Bank #1176881 2025-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 3.8% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 3.8% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 34.50% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +9 ptscomposite
  • Liquidity
    ↑ +14
  • Securities
    ↑ +63
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -22

The five pillars

Liquidity

StrongQoQ +14
80
Sub-score

Liquidity is strong: brokered 47.0%, loans/deposits 35.0%, cash 42.8% of assets.

Cash / Assets
42.81%
Loans / Deposits
35.02%
Brokered %
46.97%

Watch Items

  • riskBrokered deposits above 30% — Brokered 47.0% of deposits (threshold 30%).

Securities

StableQoQ +63
63
Sub-score

Securities profile is stable: securities 31.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
31.04%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 171.75%, CET1 171.75%, leverage 29.43%.

Tier 1 RBC
171.75%
CET1
171.75%
Leverage
29.43%
No watch items at this period.

Asset Quality

WatchQoQ +2
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 34.50%, Texas Ratio 11.5%, NCO YTD -0.02%.

Adjusted NPL
34.50%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
-0.02%
30-89 PD
1.62%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 34.50% (govt-guarantees stripped).

Reserves

RiskQoQ -22
26
Sub-score

Reserves are weak: ALLL 1.29% of loans, coverage 3.8%, true coverage 3.8%.

ALLL / Loans
1.29%
Coverage
3.8%
True Loss Coverage
3.8%

Watch Items

  • riskALLL / NPL below 50% — Coverage 3.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 3.8% (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