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Merchants Commercial Bank

IDRSSD: 3487433
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q1QoQ -5

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

Quarterly Headline

2024-Q1

Bank #3487433 2024-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q4 2023:
↓ -5 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ -9
76
Sub-score

Liquidity is stable: brokered 13.6%, loans/deposits 49.1%, cash 3.1% of assets.

Cash / Assets
3.14%
Loans / Deposits
49.12%
Brokered %
13.62%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -2
48
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.71%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.71%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -4
79
Sub-score

Asset quality is stable: Adjusted NPL 0.91%, Texas Ratio 3.3%, NCO YTD -0.18%.

Adjusted NPL
0.91%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
-0.18%
30-89 PD
5.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -11
79
Sub-score

Reserves are stable: ALLL 1.30% of loans, coverage 144.9%, true coverage 95.2%.

ALLL / Loans
1.30%
Coverage
144.9%
True Loss Coverage
95.2%
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: 2026-05-14 07:38:56 UTC