Visbanking Logo
Skip to main content

Metropolitan Capital Bank And Trust

IDRSSD: 3153233
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
86
/ 100
StrongAs of 2023-Q4QoQ -6

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 #3153233 2023-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.04% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -6 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -30
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +7
77
Sub-score

Liquidity is stable: brokered 21.1%, loans/deposits 76.3%, cash 7.4% of assets.

Cash / Assets
7.44%
Loans / Deposits
76.33%
Brokered %
21.14%
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

StrongQoQ -2
97
Sub-score

Capital position is strong: Tier 1 RBC 13.33%, CET1 13.33%, leverage 11.13%.

Tier 1 RBC
13.33%
CET1
13.33%
Leverage
11.13%
No watch items at this period.

Asset Quality

StableQoQ -30
70
Sub-score

Asset quality is stable: Adjusted NPL 0.19%, Texas Ratio 1.1%, NCO YTD 3.04%.

Adjusted NPL
0.19%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
3.04%
30-89 PD
2.42%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.04% of loans.

Reserves

Strong
93
Sub-score

Reserves are strong: ALLL 1.29% of loans, coverage 674.7%, true coverage 674.7%.

ALLL / Loans
1.29%
Coverage
674.7%
True Loss Coverage
674.7%
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: 2026-05-15 10:03:38 UTC