Monet Bank (FDIC #32574): Bank Stress & Real-Estate Credit Exposure

Monet Bank (FDIC Cert #32574): bank stress 0/100, contained, STABLE over 7 days.

Monet Bank (#32574) lends in 6 counties across 3 states; Monet Bank (#32574) reaches 486 ZIP codes: Texas 3 counties, 269 ZIPs; California 2 counties, 165 ZIPs; Ohio 1 county, 52 ZIPs.

Monet Bank (#32574) largest markets: Harris County, TX (143 branches, 143 ZIPs) (#32574), San Diego County, CA (116 branches, 116 ZIPs) (#32574), Dallas County, TX (95 branches, 95 ZIPs) (#32574), Cuyahoga County, OH (52 branches, 52 ZIPs) (#32574), Contra Costa County, CA (49 branches, 49 ZIPs) (#32574), Collin County, TX (40 branches, 40 ZIPs) (#32574).

Monet Bank (#32574) reports $3.16 billion in total assets; Monet Bank (#32574) equity $997.0 million (31.5% of Monet Bank (#32574) assets); Monet Bank (#32574) domestic deposits $913.0 million; Monet Bank (#32574) net income $66.9 million; Monet Bank (#32574) return on assets 4.06%; Monet Bank (#32574) return on equity 12.77%; Monet Bank (#32574) net interest income $67.5 million; Monet Bank (#32574) call report June 30, 2026.

Monet Bank (#32574) noncurrent real-estate loans 0.01% of its book; Monet Bank (#32574) net charge-offs on real estate 26.45%; Monet Bank (#32574) multifamily charge-offs 20.64%; Monet Bank (#32574) residential charge-offs 50.09%.

Monet Bank (#32574) net interest margin 4.51% against an eight-quarter Monet Bank (#32574) average of 2.09% (Monet Bank (#32574) compression -2.42 points); Monet Bank (#32574) real-estate loans 1.2% of equity; Monet Bank (#32574) non-residential real estate 5009.3% of equity; Monet Bank (#32574) rate-exposure score 40/100, Monet Bank (#32574) fixed-rate trap 40/100; Monet Bank (#32574) risk type rate trapped; Monet Bank (#32574) rate regime rates elevated, Monet Bank (#32574) snapshot October 19, 2026.

Monet Bank (#32574) stress score moved from 3.2 on June 22, 2026 to 0 on October 19, 2026; Monet Bank (#32574) ranged 0 to 3.2 over 116 snapshots.

Monet Bank (#32574) alerts: 6 counties; top Monet Bank (#32574) alert scores: Dallas County, TX 23 (low); Houston County, TX 12 (low); Beachwood County, TX 7 (low); Plano County, TX 7 (low); San Diego County, TX 7 (low).