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Morgantown Bank And Trust Company Incorporated

IDRSSD: 330949
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q1QoQ -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-Q1

Bank #330949 2025-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.57% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.66% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
72
Sub-score

Liquidity is stable: brokered 4.9%, loans/deposits 87.0%, cash 2.6% of assets.

Cash / Assets
2.57%
Loans / Deposits
87.02%
Brokered %
4.94%

Watch Items

  • infoCash / Assets below 3% — Cash 2.57% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.00%
No watch items at this period.

Capitalization

StableQoQ -1
68
Sub-score

Capital position is stable: Tier 1 RBC 11.87%, CET1 11.87%, leverage 8.06%.

Tier 1 RBC
11.87%
CET1
11.87%
Leverage
8.06%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.40%, Texas Ratio 3.6%, NCO YTD 0.01%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
0.01%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
64
Sub-score

Reserves are stable: ALLL 0.66% of loans, coverage 164.7%, true coverage 164.3%.

ALLL / Loans
0.66%
Coverage
164.7%
True Loss Coverage
164.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.66% of loans.

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 04:28:24 UTC