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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2026-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

2026-Q1

Bank #1176881 2026-Q1 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 3.5% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 3.5% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 37.07% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -15
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -1

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 39.2%, loans/deposits 38.2%, cash 36.5% of assets.

Cash / Assets
36.48%
Loans / Deposits
38.19%
Brokered %
39.19%

Watch Items

  • watchBrokered deposits above 30% — Brokered 39.2% of deposits (threshold 30%).

Securities

WatchQoQ -15
48
Sub-score

Securities profile is deteriorating: securities 35.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
35.51%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 145.04%, CET1 145.04%, leverage 29.16%.

Tier 1 RBC
145.04%
CET1
145.04%
Leverage
29.16%
No watch items at this period.

Asset Quality

StableQoQ +2
61
Sub-score

Asset quality is stable: Adjusted NPL 37.07%, Texas Ratio 14.0%, NCO YTD -0.07%.

Adjusted NPL
37.07%
Govt-guarantees stripped
Texas Ratio
14.0%
NCO YTD
-0.07%
30-89 PD
1.16%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 37.07% (govt-guarantees stripped).

Reserves

RiskQoQ -1
26
Sub-score

Reserves are weak: ALLL 1.27% of loans, coverage 3.5%, true coverage 3.5%.

ALLL / Loans
1.27%
Coverage
3.5%
True Loss Coverage
3.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 3.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 3.5% (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