BanksMETROPOLITAN BANK

METROPOLITAN BANK

OAKLAND, CASmallEst. Sept. 1, 1983, midnightFDIC #25869RSSD #534466FDIC
Latest · 2025-12-31

METROPOLITAN BANK is an 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%. CET1 capital ratio: 12.77%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 10.57%. Operates 4 domestic branches.

Assets
$234M
Deposits
$196M
Loans
$186M
Equity
$30M

Profitability

Return on Assets (ROA)0.72%
Return on Equity (ROE)5.75%
Net Interest Margin4.18%
Yield on Assets7.09%
Cost of Funds3.12%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio-0.03%
Texas Ratio10.57%
NPA Ratio1.49%
ACL / Loans1.70%

Capital & Liquidity

CET1 Ratio12.77%
Tier 1 Capital12.77%
Total Capital Ratio13.40%
Leverage Ratio12.63%
Loan-to-Deposit94.94%

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