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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2025-Q3QoQ +7

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

Quarterly Headline

2025-Q3

Bank #3153233 2025-Q3 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 31.18% of loans.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.2% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.15% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +7 ptscomposite
  • Liquidity
    ↑ +14
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ +14
86
Sub-score

Liquidity is strong: brokered 21.0%, loans/deposits 67.0%, cash 20.6% of assets.

Cash / Assets
20.62%
Loans / Deposits
67.00%
Brokered %
20.97%
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 +3
6
Sub-score

Capital position is weak: Tier 1 RBC 7.06%, CET1 7.06%, leverage 4.42%.

Tier 1 RBC
7.06%
CET1
7.06%
Leverage
4.42%

Watch Items

  • infoTier 1 RBC below 8% — Tier 1 RBC 7.06% (PCA threshold 8%).
  • infoTier 1 Leverage below 5% — Tier 1 Leverage 4.42% (PCA threshold 5%).

Asset Quality

WatchQoQ +9
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.15%, Texas Ratio 27.9%, NCO YTD 31.18%.

Adjusted NPL
3.15%
Govt-guarantees stripped
Texas Ratio
27.9%
NCO YTD
31.18%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.15% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 31.18% of loans.

Reserves

RiskQoQ +6
40
Sub-score

Reserves are weak: ALLL 2.34% of loans, coverage 76.2%, true coverage 31.2%.

ALLL / Loans
2.34%
Coverage
76.2%
True Loss Coverage
31.2%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.2% (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