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Metropolitan Capital Bank And Trust

IDRSSD: 3153233
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2025-Q4. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
58
/ 100
WatchAs of 2025-Q4QoQ +4

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

Quarterly Headline

2025-Q4

Bank #3153233 2025-Q4 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 12.03% of loans.
  2. risk
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 3.02% (PCA threshold 8%).
  3. risk
    CET1 below 7%
    Capitalization — CET1 3.02% (threshold 7%).

What changed this quarter

Compared to Q3 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +46

The five pillars

Liquidity

StrongQoQ -1
85
Sub-score

Liquidity is strong: brokered 22.0%, loans/deposits 65.0%, cash 16.7% of assets.

Cash / Assets
16.73%
Loans / Deposits
65.05%
Brokered %
21.99%
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

RiskQoQ -6
0
Sub-score

Capital position is weak: Tier 1 RBC 3.02%, CET1 3.02%, leverage 1.82%.

Tier 1 RBC
3.02%
CET1
3.02%
Leverage
1.82%

Watch Items

  • riskTier 1 RBC below 8% — Tier 1 RBC 3.02% (PCA threshold 8%).
  • riskCET1 below 7% — CET1 3.02% (threshold 7%).
  • riskTier 1 Leverage below 5% — Tier 1 Leverage 1.82% (PCA threshold 5%).

Asset Quality

WatchQoQ -6
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.93%, Texas Ratio 38.2%, NCO YTD 12.03%.

Adjusted NPL
2.93%
Govt-guarantees stripped
Texas Ratio
38.2%
NCO YTD
12.03%
30-89 PD
1.22%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.93% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 12.03% of loans.

Reserves

StrongQoQ +46
86
Sub-score

Reserves are strong: ALLL 3.80% of loans, coverage 134.9%, true coverage 129.9%.

ALLL / Loans
3.80%
Coverage
134.9%
True Loss Coverage
129.9%
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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-15 10:03:38 UTC