METROPOLITAN BANK

OAKLAND, CA | Small | Est. Sept. 1, 1983, midnight | FDIC #25869 | RSSD #534466 | FDIC
Latest Report: 2025-12-31

METROPOLITAN BANK is asn small FDIC-insured commercial bank headquartered in OAKLAND, CA, established in Sept. 1, 1983, midnight. As of 2025-12-31, the bank reported total assets of $234M and total deposits of $196M. Profitability stands at 0.72% ROA and 5.75% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 12.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 10.57%. FDIC Certificate #25869.

Assets

$234M

Deposits

$196M

Loans

$186M

Equity

$30M

Profitability

Return on Assets (ROA) 0.72%
Return on Equity (ROE) 5.75%
Net Interest Margin (NIM) 4.18%
Yield on Assets 7.09%
Cost of Funds 3.12%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.03%
Texas Ratio 10.57%
NPA Ratio 1.49%
ACL / Loans 1.70%

Capital & Liquidity

CET1 Ratio 12.77%
Tier 1 Capital 12.77%
Total Capital Ratio 13.40%
Leverage Ratio 12.63%
Loan-to-Deposit 94.94%

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