BANK419
BankRegReports is independent of BANK419 and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
BANK419 is an FDIC-insured commercial bank headquartered in Metamora, OH, established in 1944 (FDIC certificate 16167), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $98.3M, down 0.1% from Q2 2025, the 132nd largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 13.61% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16167
- Headquarters
- Metamora, OH
- Established
- 1944
- Total assets, Q2 2026
- $98.3M
- Assets vs Q2 2025
- -0.1%
- CET1 ratio, Q2 2026
- 13.61%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 041213872
- Holding company
- METAMORA BANCORP, INC.
- Asset rank in state
- 132nd of 154 in Ohio
Problem loans are rising at BANK419. It reported $98 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.42% of loans from 0.06% a year earlier. It holds commercial real estate loans worth 1.2 times its capital, 4.7 times the median of 26% for the 583 banks with less than $100 million in assets. It also funds 9.27% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
Loans and deposits moved in opposite directions: over the year loans fell 4.7% and deposits rose 1.6%. Credit is the area to watch: it carries problem assets equal to 10.3% of the capital and reserves that would absorb them, 7.5 times the median of 1.4% for banks its size.
As of June 30, 2026, BANK419 reported a CET1 capital ratio of 13.61%, a return on assets of 0.54%, a nonperforming-loan ratio of 1.42% and a Texas ratio of 10.31%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, BANK419 is the 132nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.8% to $98.3M, loans fell 2.7% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 50.1% of total loans, ahead of farmland and other real estate loans at 10.1%. Its 3 offices in the FDIC Summary of Deposits are in Metamora, OH, Sylvania, OH and Maumee, OH; its Metamora office books 53% of its branch deposits. Judged on its Q2 2026 call report, BANK419 meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 120 E Main St, Metamora, OH 43540
- County
- Fulton
- Metro Area
- Toledo, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 25, 1944
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $89.0M
- Allowance for credit losses
- $886K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $98.4M
- Average total loans
- $69.7M
- Average interest-bearing deposits
- $59.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1944
- FDIC Cert
- 16167
- Fed RSSD
- 533227
- SEC CIK
- 1954051 → filed by METAMORA BANCORP, INC.
- Website
- www.metamorabank.com →
- Parent Holding Company
- METAMORA BANCORP, INC. (RSSD 1133204)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, BANK419's total assets ranged from $94.2M (Q1 2025) to $101.2M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$98.3M total assets against $98.4M; $89.7M total liabilities against $90.4M.
$68.0M net loans and leases against $71.4M; $89.0M total deposits against $87.6M.
$18.7M securities against $17.0M; $6.6M cash and balances due against $5.0M.
$1.2M total interest income against $1.2M; $183K total interest expense against $184K.
$1.1M net interest income against $999K.
$126K total noninterest income against $110K; $1.0M total noninterest expense against $890K.
$4K provision for credit losses against $34K.
$134K net income against $145K.
0.54% return on assets against 0.62%; 4.59% net interest margin against 4.42%.
13.61% CET1 capital ratio against 12.99%; 9.27% tier 1 leverage ratio against 9.31%.
Inside the full BANK419 terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q1 2025) to 0.62% (Q1 2026) and its net interest margin ran from 3.86% (Q3 2024) to 4.59% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.61% | 0.54% | 1.42% | 10.31% | 4.59% |
| Q1 2026 | 13.14% | 0.62% | 1.38% | 10.32% | 4.33% |
| Q4 2025 | 12.76% | 0.52% | 0.20% | 1.53% | 4.47% |
| Q3 2025 | 12.84% | 0.52% | 0.06% | 0.48% | 4.44% |
| Q2 2025 | 12.99% | 0.62% | 0.06% | 0.52% | 4.42% |
| Q1 2025 | 13.39% | 0.37% | 0.06% | 0.53% | 4.29% |
| Q4 2024 | 13.10% | 0.46% | 0.04% | 0.32% | 4.00% |
| Q3 2024 | 12.68% | 0.52% | 0.00% | 0.00% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| BANK419 (main office) | Metamora , OH | 43540 | $47.6M |
| Sylvania Banking Center Branch | Sylvania , OH | 43560 | $38.2M |
| Maumee Banking Center | Maumee , OH | 43537 | $3.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- December 10, 2002, Federal Reserve: Written Agreement: Metamora Bancorp, Inc., Metamora, OH and The Metamora State Bank, Metamora, OH
- Period: Most recent institution action December 10, 2002. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 145 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $250K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows BANK419’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about BANK419
What are BANK419's total assets?
As of the Q2 2026 filing, BANK419 reported total assets of $98.3 million in its FFIEC call report.
Where is BANK419 headquartered?
It is headquartered in Metamora, OH, United States.
When was BANK419 founded?
It was established in 1944, per the FDIC institution directory.
Is BANK419 FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16167). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BANK419?
BANK419's primary federal regulator is the Federal Reserve.
What is BANK419's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.61% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BANK419 operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BANK419's Texas Ratio?
Its Texas Ratio is 10.31% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on BANK419.
Get an email when BANK419 files its next call report, and benchmark it against any peer you choose.
Unlock BANK419, freeFree account