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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #2705895 2024-Q3 Vital Signs Score: 82/100 — overall strong. 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 48.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +6

The five pillars

Liquidity

WatchQoQ +2
56
Sub-score

Liquidity is deteriorating: brokered 48.6%, loans/deposits 92.4%, cash 4.3% of assets.

Cash / Assets
4.30%
Loans / Deposits
92.38%
Brokered %
48.56%

Watch Items

  • riskBrokered deposits above 30% — Brokered 48.6% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.92%
No watch items at this period.

Capitalization

StableQoQ +1
78
Sub-score

Capital position is stable: Tier 1 RBC 11.93%, CET1 11.93%, leverage 10.27%.

Tier 1 RBC
11.93%
CET1
11.93%
Leverage
10.27%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.53%, Texas Ratio 3.8%, NCO YTD 0.01%.

Adjusted NPL
0.53%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
0.01%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +6
74
Sub-score

Reserves are stable: ALLL 1.06% of loans, coverage 201.7%, true coverage 76.0%.

ALLL / Loans
1.06%
Coverage
201.7%
True Loss Coverage
76.0%
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