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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #3153233 2025-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 20.0% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.92% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +19
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -7

The five pillars

Liquidity

StrongQoQ +19
84
Sub-score

Liquidity is strong: brokered 21.7%, loans/deposits 72.7%, cash 13.2% of assets.

Cash / Assets
13.19%
Loans / Deposits
72.67%
Brokered %
21.71%
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
91
Sub-score

Capital position is strong: Tier 1 RBC 13.32%, CET1 13.32%, leverage 9.69%.

Tier 1 RBC
13.32%
CET1
13.32%
Leverage
9.69%
No watch items at this period.

Asset Quality

WatchQoQ -14
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.92%, Texas Ratio 27.2%, NCO YTD 0.00%.

Adjusted NPL
4.92%
Govt-guarantees stripped
Texas Ratio
27.2%
NCO YTD
0.00%
30-89 PD
2.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.92% (govt-guarantees stripped).

Reserves

RiskQoQ -7
33
Sub-score

Reserves are weak: ALLL 2.09% of loans, coverage 43.4%, true coverage 20.0%.

ALLL / Loans
2.09%
Coverage
43.4%
True Loss Coverage
20.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 20.0% (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