US METRO BANK

GARDEN GROVE, CA | Large | Est. Sept. 15, 2006, midnight | FDIC #58310 | RSSD #3470154 | FDIC
Latest Report: 2025-12-31

US METRO BANK is aln large FDIC-insured commercial bank headquartered in GARDEN GROVE, CA, established in Sept. 15, 2006, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.4B. Profitability stands at 0.79% ROA and 8.39% ROE, with a net interest margin of 3.39%. The bank's CET1 capital ratio is 12.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.57% and a Texas Ratio of 13.65%. FDIC Certificate #58310.

Assets

$1.6B

Deposits

$1.4B

Loans

$1.3B

Equity

$156M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 8.39%
Net Interest Margin (NIM) 3.39%
Yield on Assets 6.48%
Cost of Funds 4.02%

Asset Quality

NPL Ratio 1.57%
Net Charge-Off Ratio 0.17%
Texas Ratio 13.65%
NPA Ratio 1.52%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 12.85%
Tier 1 Capital 12.85%
Total Capital Ratio 14.10%
Leverage Ratio 10.22%
Loan-to-Deposit 94.48%

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