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Metropolitan Commercial Bank

IDRSSD: 2705895
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2023-Q4QoQ -6

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

Quarterly Headline

2023-Q4

Bank #2705895 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 43.2% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -3
51
Sub-score

Liquidity is deteriorating: brokered 43.2%, loans/deposits 96.5%, cash 3.8% of assets.

Cash / Assets
3.81%
Loans / Deposits
96.51%
Brokered %
43.20%

Watch Items

  • watchBrokered deposits above 30% — Brokered 43.2% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.63%
No watch items at this period.

Capitalization

StrongQoQ -3
81
Sub-score

Capital position is strong: Tier 1 RBC 11.52%, CET1 11.52%, leverage 10.26%.

Tier 1 RBC
11.52%
CET1
11.52%
Leverage
10.26%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.93%, Texas Ratio 6.8%, NCO YTD 0.07%.

Adjusted NPL
0.93%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
0.07%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
65
Sub-score

Reserves are stable: ALLL 1.03% of loans, coverage 111.7%, true coverage 111.7%.

ALLL / Loans
1.03%
Coverage
111.7%
True Loss Coverage
111.7%
No watch items at this period.

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: 2026-05-13 13:53:19 UTC