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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-Q3

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

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-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

2025-Q3

Bank #2705895 2025-Q3 Vital Signs Score: 75/100 — 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

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -3

The five pillars

Liquidity

WatchQoQ +7
55
Sub-score

Liquidity is deteriorating: brokered 29.0%, loans/deposits 93.7%, cash 4.7% of assets.

Cash / Assets
4.69%
Loans / Deposits
93.70%
Brokered %
28.98%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.57%
No watch items at this period.

Capitalization

StableQoQ -6
60
Sub-score

Capital position is stable: Tier 1 RBC 10.45%, CET1 10.45%, leverage 9.38%.

Tier 1 RBC
10.45%
CET1
10.45%
Leverage
9.38%
No watch items at this period.

Asset Quality

StrongQoQ -6
92
Sub-score

Asset quality is strong: Adjusted NPL 1.22%, Texas Ratio 9.6%, NCO YTD 0.23%.

Adjusted NPL
1.22%
Govt-guarantees stripped
Texas Ratio
9.6%
NCO YTD
0.23%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -3
71
Sub-score

Reserves are stable: ALLL 1.39% of loans, coverage 115.5%, true coverage 86.2%.

ALLL / Loans
1.39%
Coverage
115.5%
True Loss Coverage
86.2%
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