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Metropolitan Capital Bank And Trust

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q3QoQ +1

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

Quarterly Headline

2024-Q3

Bank #3153233 2024-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 41.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +1
70
Sub-score

Liquidity is stable: brokered 23.7%, loans/deposits 81.7%, cash 6.0% of assets.

Cash / Assets
6.03%
Loans / Deposits
81.69%
Brokered %
23.73%
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 +1
92
Sub-score

Capital position is strong: Tier 1 RBC 13.22%, CET1 13.22%, leverage 10.09%.

Tier 1 RBC
13.22%
CET1
13.22%
Leverage
10.09%
No watch items at this period.

Asset Quality

StrongQoQ +1
88
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 1.0%, NCO YTD 0.00%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
0.00%
30-89 PD
2.27%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
72
Sub-score

Reserves are stable: ALLL 1.82% of loans, coverage 1017.5%, true coverage 41.5%.

ALLL / Loans
1.82%
Coverage
1017.5%
True Loss Coverage
41.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.5% (Adjusted NPL + Performing Mods denominator).

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