METRO BANK

PELL CITY, AL | Large | Est. May 30, 1989, midnight | FDIC #27510 | RSSD #1394621 | FDIC
Latest Report: 2025-12-31

METRO BANK is aln large FDIC-insured commercial bank headquartered in PELL CITY, AL, established in May 30, 1989, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.0B. Profitability stands at 1.44% ROA and 10.30% ROE, with a net interest margin of 3.82%. The bank's CET1 capital ratio is 13.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.04% and a Texas Ratio of 4.19%. FDIC Certificate #27510.

Assets

$1.2B

Deposits

$1.0B

Loans

$595M

Equity

$162M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 10.30%
Net Interest Margin (NIM) 3.82%
Yield on Assets 5.43%
Cost of Funds 2.33%

Asset Quality

NPL Ratio 1.04%
Net Charge-Off Ratio 0.17%
Texas Ratio 4.19%
NPA Ratio 0.60%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 13.78%
Tier 1 Capital 13.78%
Total Capital Ratio 14.47%
Leverage Ratio 14.40%
Loan-to-Deposit 59.07%

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