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Metropolitan Commercial Bank

IDRSSD: 2705895
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
77
/ 100
StableAs of 2025-Q2QoQ -1

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 #2705895 2025-Q2 Vital Signs Score: 77/100 — 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 50.2% of deposits (threshold 30%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.94% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ 0

The five pillars

Liquidity

WatchQoQ 0
48
Sub-score

Liquidity is deteriorating: brokered 50.2%, loans/deposits 95.8%, cash 1.9% of assets.

Cash / Assets
1.94%
Loans / Deposits
95.80%
Brokered %
50.23%

Watch Items

  • riskBrokered deposits above 30% — Brokered 50.2% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.94% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.94%
No watch items at this period.

Capitalization

StableQoQ -3
66
Sub-score

Capital position is stable: Tier 1 RBC 10.87%, CET1 10.87%, leverage 9.77%.

Tier 1 RBC
10.87%
CET1
10.87%
Leverage
9.77%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.61%, Texas Ratio 4.8%, NCO YTD 0.00%.

Adjusted NPL
0.61%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.00%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
73
Sub-score

Reserves are stable: ALLL 1.12% of loans, coverage 185.5%, true coverage 77.7%.

ALLL / Loans
1.12%
Coverage
185.5%
True Loss Coverage
77.7%
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