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Metro City Bank

IDRSSD: 3437456
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2023-Q4QoQ -15

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

Quarterly Headline

2023-Q4

Bank #3437456 2023-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 114.3% (threshold 100%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.1% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.57% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -15 ptscomposite
  • Liquidity
    ↓ -22
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -22
46
Sub-score

Liquidity is deteriorating: brokered 27.8%, loans/deposits 114.3%, cash 3.2% of assets.

Cash / Assets
3.22%
Loans / Deposits
114.34%
Brokered %
27.82%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 114.3% (threshold 100%).

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

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 16.64%, CET1 16.64%, leverage 10.13%.

Tier 1 RBC
16.64%
CET1
16.64%
Leverage
10.13%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.47%, Texas Ratio 4.0%, NCO YTD 0.04%.

Adjusted NPL
0.47%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
0.04%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
28
Sub-score

Reserves are weak: ALLL 0.57% of loans, coverage 123.4%, true coverage 49.1%.

ALLL / Loans
0.57%
Coverage
123.4%
True Loss Coverage
49.1%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.57% of loans.

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 07:37:14 UTC