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Metropolitan Commercial Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q2QoQ -2

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

Quarterly Headline

2024-Q2

Bank #2705895 2024-Q2 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 47.3% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +4

The five pillars

Liquidity

WatchQoQ -10
54
Sub-score

Liquidity is deteriorating: brokered 47.3%, loans/deposits 93.1%, cash 3.4% of assets.

Cash / Assets
3.37%
Loans / Deposits
93.06%
Brokered %
47.26%

Watch Items

  • riskBrokered deposits above 30% — Brokered 47.3% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.19%
No watch items at this period.

Capitalization

StableQoQ -6
76
Sub-score

Capital position is stable: Tier 1 RBC 11.80%, CET1 11.80%, leverage 10.09%.

Tier 1 RBC
11.80%
CET1
11.80%
Leverage
10.09%
No watch items at this period.

Asset Quality

StrongQoQ +3
99
Sub-score

Asset quality is strong: Adjusted NPL 0.54%, Texas Ratio 3.9%, NCO YTD 0.00%.

Adjusted NPL
0.54%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
0.00%
30-89 PD
0.14%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
68
Sub-score

Reserves are stable: ALLL 1.03% of loans, coverage 193.1%, true coverage 68.9%.

ALLL / Loans
1.03%
Coverage
193.1%
True Loss Coverage
68.9%
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