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Mountain Commerce Bank

IDRSSD: 1016231
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2023-Q4QoQ -4

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

Quarterly Headline

2023-Q4

Bank #1016231 2023-Q4 Vital Signs Score: 83/100 — 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

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

What changed this quarter

Compared to Q3 2023:
↓ -4 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -10
60
Sub-score

Liquidity is deteriorating: brokered 19.8%, loans/deposits 97.4%, cash 4.0% of assets.

Cash / Assets
3.97%
Loans / Deposits
97.44%
Brokered %
19.75%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -3
75
Sub-score

Capital position is stable: Tier 1 RBC 11.16%, CET1 11.16%, leverage 9.45%.

Tier 1 RBC
11.16%
CET1
11.16%
Leverage
9.45%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.11%, Texas Ratio 0.9%, NCO YTD 0.11%.

Adjusted NPL
0.11%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.11%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
80
Sub-score

Reserves are stable: ALLL 0.90% of loans, coverage 811.1%, true coverage 811.1%.

ALLL / Loans
0.90%
Coverage
811.1%
True Loss Coverage
811.1%
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: 2026-05-15 09:25:23 UTC