METROPOLITAN CAPITAL BANK & TRUST

CHICAGO, IL | Small | RSSD #3153233
Latest Report: 2025-12-31

METROPOLITAN CAPITAL BANK & TRUST is asn small FDIC-insured commercial bank headquartered in CHICAGO, IL. As of 2025-12-31, the bank reported total assets of $235M and total deposits of $202M. Profitability stands at -10.46% ROA and -2122.76% ROE, with a net interest margin of 4.91%. The bank's CET1 capital ratio is 3.02%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 2.82% and a Texas Ratio of 152.54%.

Assets

$235M

Deposits

$202M

Loans

$137M

Equity

$-2M

Profitability

Return on Assets (ROA) -10.46%
Return on Equity (ROE) -2122.76%
Net Interest Margin (NIM) 4.91%
Yield on Assets 8.16%
Cost of Funds 3.03%

Asset Quality

NPL Ratio 2.82%
Net Charge-Off Ratio 12.35%
Texas Ratio 152.54%
NPA Ratio 2.22%
ACL / Loans 3.80%

Capital & Liquidity

CET1 Ratio 3.02%
Tier 1 Capital 3.02%
Total Capital Ratio 4.32%
Leverage Ratio 1.83%
Loan-to-Deposit 67.62%

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