Monet Bank is a state-chartered bank headquartered in Plano, Texas, in business for about 38 years. At the end of Q2 2026 it reported $3.2B in total assets and $913.0M in deposits, with 6 offices across 3 states.
Monet Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 264th. Capital cushion contributes the most (100/100, 31.69%); loan quality contributes the least (0/100, 25.76%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (59 → 65), mostly because the earnings component improved by 57 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 72 |
| Q4 2024 | 73 |
| Q1 2025 | 61 |
| Q2 2025 | 59 |
| Q3 2025 | 57 |
| Q4 2025 | 54 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 21.47% |
| Q3 2024 | 17.58% |
| Q4 2024 | 17.48% |
| Q1 2025 | 17.03% |
| Q2 2025 | 20.44% |
| Q3 2025 | 25.18% |
| Q4 2025 | 29.43% |
| Q1 2026 | 29.16% |
| Q2 2026 | 31.69% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 6.05% |
| Q3 2024 | 3.02% |
| Q4 2024 | 5.23% |
| Q1 2025 | 12.57% |
| Q2 2025 | 12.53% |
| Q3 2025 | 5.63% |
| Q4 2025 | 34.06% |
| Q1 2026 | 36.60% |
| Q2 2026 | 25.76% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 7.75% |
| Q3 2024 | 3.31% |
| Q4 2024 | 3.99% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.58% |
| Q1 2026 | 2.39% |
| Q2 2026 | 4.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $3.2B | 31.69% | 25.76% | 4.06% | 49.0% |
| Q1 2026 | 65 | $3.2B | 29.16% | 36.60% | 2.39% | 38.2% |
| Q4 2025 | 54 | $3.5B | 29.43% | 34.06% | 0.58% | 35.0% |
| Q3 2025 | 57 | $4.5B | 25.18% | 5.63% | 0.31% | 18.9% |
| Q2 2025 | 59 | $5.6B | 20.44% | 12.53% | 0.58% | 14.8% |
| Q1 2025 | 61 | $6.3B | 17.03% | 12.57% | 0.56% | 9.8% |
| Q4 2024 | 73 | $6.6B | 17.48% | 5.23% | 3.99% | 22.3% |
| Q3 2024 | 72 | $5.8B | 17.58% | 3.02% | 3.31% | 46.4% |
| Q2 2024 | 70 | $4.8B | 21.47% | 6.05% | 7.75% | 34.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| WestStar BankBank El Paso, TX | 80 out of 100, Strong | $3.3B | 12.3% | 0.00% | vs |
| Lone Star National BankBank Pharr, TX | 72 out of 100, Strong | $3.3B | 12.9% | 1.06% | vs |
| Susser BankBank Dallas, TX | 65 out of 100, Moderate | $3.0B | 10.1% | 0.42% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| TIB National AssociationBank Farmers Branch, TX | 76 out of 100, Strong | $3.0B | 13.2% | 0.84% | vs |
| Texas Regional BankBank Harlingen, TX | 53 out of 100, Below average | $2.9B | 8.8% | 0.59% | vs |
Deposit insurance
Is my money safe at Monet Bank?
Yes. Monet Bank is an FDIC-insured institution (FDIC certificate #32574). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 80.2% of deposits ($731.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 31.69%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 136.07% (benchmark: 10%).
6 locations
Branches
Monet Bank lists 6 offices in 6 cities across 3 states. Most locations:
- Beachwood, OH (1)
- Dallas, TX (1)
- Houston, TX (1)
- Plano, TX (1)
- San Diego, CA (1)
- Walnut Creek, CA (1)
Identity & history
Profile
- Legal name
- Monet Bank
- Former names
- Beal Bank, s.s.b.; Beal Bank; Beal Savings Banc; Beal Bank, SSB; XD Bank
- Type
- State-chartered bank
- FDIC certificate #
- 32574
- RSSD ID
- 1176881
- Primary regulator
- FDIC
- Established
- March 10, 1988
- Headquarters
- 6000 Legacy Dr, Plano, TX 75024
- Website
- www.monet.bank
- Employees
- 59
Quick answers
Monet Bank: common questions
Is Monet Bank FDIC insured?
Yes. Monet Bank is an FDIC-insured institution (FDIC certificate #32574). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Monet Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Monet Bank ever failed?
There is no failure record for FDIC certificate #32574 in the FDIC failed bank list.
How many branches does Monet Bank have?
6 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Plano
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA | 96 out of 100, Very strong | $58.2M | 22.0% | 0.33% | vs |
| Lakeside BankBank Rockwall, TX | 92 out of 100, Very strong | $389.2M | 14.4% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| Metro Medical Credit UnionCredit union Dallas, TX | 91 out of 100, Very strong | $82.7M | 17.9% | 0.66% | vs |
| The State Credit UnionCredit union Charleston, WV | 90 out of 100, Very strong | $95.3M | 19.1% | 0.25% | vs |
| Safe 1 Credit UnionCredit union Bakersfield, CA | 90 out of 100, Very strong | $1.2B | 16.0% | 0.37% | vs |