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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
47
/ 100
WatchAs of 2025-Q2QoQ -26

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

Quarterly Headline

2025-Q2

Bank #3153233 2025-Q2 Vital Signs Score: 47/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 10.93% (govt-guarantees stripped).
  2. watch
    Texas Ratio above 50%
    Asset Quality — Texas Ratio 89.7% (industry watch band 50% / risk band 100%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.6% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ -26 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↓ -89
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -12
72
Sub-score

Liquidity is stable: brokered 23.2%, loans/deposits 75.1%, cash 5.6% of assets.

Cash / Assets
5.57%
Loans / Deposits
75.15%
Brokered %
23.19%
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 -89
2
Sub-score

Capital position is weak: Tier 1 RBC 5.99%, CET1 5.99%, leverage 4.55%.

Tier 1 RBC
5.99%
CET1
5.99%
Leverage
4.55%

Watch Items

  • watchTier 1 RBC below 8% — Tier 1 RBC 5.99% (PCA threshold 8%).
  • watchCET1 below 7% — CET1 5.99% (threshold 7%).
  • infoTier 1 Leverage below 5% — Tier 1 Leverage 4.55% (PCA threshold 5%).

Asset Quality

WatchQoQ -3
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 10.93%, Texas Ratio 89.7%, NCO YTD 0.28%.

Adjusted NPL
10.93%
Govt-guarantees stripped
Texas Ratio
89.7%
NCO YTD
0.28%
30-89 PD
0.57%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.93% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 89.7% (industry watch band 50% / risk band 100%).

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 4.43% of loans, coverage 42.4%, true coverage 29.6%.

ALLL / Loans
4.43%
Coverage
42.4%
True Loss Coverage
29.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.6% (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