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 — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q4QoQ -13

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

Quarterly Headline

2024-Q4

Bank #3153233 2024-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.3% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.07% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -13 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -22
  • Reserves
    ↓ -32

The five pillars

Liquidity

StableQoQ -5
65
Sub-score

Liquidity is stable: brokered 23.4%, loans/deposits 84.3%, cash 4.4% of assets.

Cash / Assets
4.35%
Loans / Deposits
84.26%
Brokered %
23.35%
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 -6
85
Sub-score

Capital position is strong: Tier 1 RBC 12.62%, CET1 12.62%, leverage 9.82%.

Tier 1 RBC
12.62%
CET1
12.62%
Leverage
9.82%
No watch items at this period.

Asset Quality

StableQoQ -22
66
Sub-score

Asset quality is stable: Adjusted NPL 3.07%, Texas Ratio 18.2%, NCO YTD 0.00%.

Adjusted NPL
3.07%
Govt-guarantees stripped
Texas Ratio
18.2%
NCO YTD
0.00%
30-89 PD
2.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.07% (govt-guarantees stripped).

Reserves

WatchQoQ -32
40
Sub-score

Reserves are deteriorating: ALLL 1.99% of loans, coverage 66.1%, true coverage 37.3%.

ALLL / Loans
1.99%
Coverage
66.1%
True Loss Coverage
37.3%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.3% (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