FIRST METRO BANK

MUSCLE SHOALS, AL | Large | Est. Nov. 7, 1988, midnight | FDIC #27381 | RSSD #1222519 | FDIC
Latest Report: 2025-12-31

FIRST METRO BANK is aln large FDIC-insured commercial bank headquartered in MUSCLE SHOALS, AL, established in Nov. 7, 1988, midnight. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $893M. Profitability stands at 1.79% ROA and 16.58% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 10.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.80%. FDIC Certificate #27381.

Assets

$1.0B

Deposits

$893M

Loans

$587M

Equity

$109M

Profitability

Return on Assets (ROA) 1.79%
Return on Equity (ROE) 16.58%
Net Interest Margin (NIM) 4.09%
Yield on Assets 5.60%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.80%
NPA Ratio 0.09%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 10.78%
Tier 1 Capital 10.78%
Total Capital Ratio 11.32%
Leverage Ratio 12.45%
Loan-to-Deposit 65.76%

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