The City National Bank of Metropolis
Also written as CNB of Metropolis
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Data as of · sourced from FFIEC call reports. How we update
The City National Bank of Metropolis is an FDIC-insured commercial bank headquartered in Metropolis, IL, supervised by the OCC, with $444.4M in total assets at Q2 2026, up 0.6% from Q2 2025, the 110th largest of 319 banks headquartered in Illinois. It was established in 1908 and holds FDIC certificate 3814. Its CET1 capital ratio was 24.06% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3814
- Headquarters
- Metropolis, IL
- Established
- 1908
- Total assets, Q2 2026
- $444.4M
- Assets vs Q2 2025
- +0.6%
- CET1 ratio, Q2 2026
- 24.06%
- Domestic offices
- 2 · The City National Bank of Metropolis branches FDIC institution directory, current count
- Routing number
- 081204281
- Safety and soundness
- Is The City National Bank of Metropolis safe?
- Latest call report
- Q2 2026, FFIEC 041 · The City National Bank of Metropolis call report
- Holding company
- CITY NATIONAL BANKCORP, INC.
- Asset rank in state
- 110th of 319 in Illinois
The City National Bank of Metropolis, based in Metropolis, Illinois, reported $444 million in assets at June 30, 2026. It keeps 2.85 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). On the other hand, it holds commercial real estate loans equal to only 22% of its capital, a small fraction of the median of 1.2 times for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 8.0% and deposits fell 1.8%. Paper losses on its bond portfolio are shrinking: unrealized losses of $21 million equal 34% of Tier 1 capital, down from 43% a year earlier. Funding is the softer spot: it pays an average of 2.31% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, The City National Bank of Metropolis reported a CET1 capital ratio of 24.06%, a return on assets of 0.79%, a nonperforming-loan ratio of 1.68% and a Texas ratio of 8.53%. The figures come from its call report filed with the FFIEC.
The City National Bank of Metropolis ranks as the 110th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $444.4M, loans rose 4.1% and deposits fell 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 55.5% of total loans, followed by owner-occupied commercial real estate loans at 18.8%. Its 2 offices in the FDIC Summary of Deposits are in Metropolis, IL. Judged on its Q2 2026 call report, The City National Bank of Metropolis meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 423 Ferry St, Metropolis, IL 62960
- County
- Massac
- Metro Area
- Paducah, KY-IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 1, 1908
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $343.9M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $223K
- Average total assets
- $452.3M
- Average total loans
- $241.4M
- Average interest-bearing deposits
- $286.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3814
- Fed RSSD
- 298245
- Website
- https://www.cnb-metropolis.com →
- Parent Holding Company
- CITY NATIONAL BANKCORP, INC. (RSSD 1129672)
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, The City National Bank of Metropolis's total assets ranged from $438.0M (Q4 2024) to $451.3M (Q1 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
$444.4M total assets against $441.9M; $396.9M total liabilities against $399.7M.
$244.9M net loans and leases against $226.2M; $343.9M total deposits against $350.2M.
$165.6M securities against $177.8M; $19.0M cash and balances due against $21.9M.
$5.4M total interest income against $5.3M; $2.3M total interest expense against $2.4M.
$3.1M net interest income against $2.9M.
$183K total noninterest income against $495K; $2.2M total noninterest expense against $2.2M.
$0 provision for credit losses against $30K.
$892K net income against $990K.
0.79% return on assets against 0.86%; 2.85% net interest margin against 2.61%.
24.06% CET1 capital ratio against 24.10%; 13.78% tier 1 leverage ratio against 13.13%.
Inside the full The City National Bank of Metropolis terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe City National Bank of Metropolis rankings
Its closest position to the top of a national ranking is 180 of 2,134, for CET1 ratio; its furthest is 2,913 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.41% (Q3 2024) to 0.86% (Q2 2025) and its net interest margin ran from 2.42% (Q3 2024) to 2.85% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.06% | 0.79% | 1.68% | 8.53% | 2.85% |
| Q1 2026 | 24.46% | 0.69% | 1.44% | 7.07% | 2.84% |
| Q4 2025 | 24.38% | 0.80% | 1.61% | 7.96% | 2.83% |
| Q3 2025 | 24.06% | 0.82% | 1.75% | 8.60% | 2.61% |
| Q2 2025 | 24.10% | 0.86% | 1.87% | 9.46% | 2.61% |
| Q1 2025 | 24.18% | 0.61% | 1.86% | 9.05% | 2.43% |
| Q4 2024 | 23.95% | 0.57% | 1.69% | 8.58% | 2.49% |
| Q3 2024 | 24.52% | 0.41% | 1.48% | 6.94% | 2.42% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| The City National Bank of Metropolis | Metropolis , IL | 62960 | $343.9M |
| I-24 Branch | Metropolis , IL | 62960 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 142 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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
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Frequently asked about The City National Bank of Metropolis
What are The City National Bank of Metropolis's total assets?
As of the Q2 2026 filing, The City National Bank of Metropolis reported total assets of $444.4 million in its FFIEC call report.
Where is The City National Bank of Metropolis headquartered?
It is headquartered in Metropolis, IL, United States.
When was The City National Bank of Metropolis founded?
It was established in 1908, per the FDIC institution directory.
Is The City National Bank of Metropolis FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3814). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The City National Bank of Metropolis?
The City National Bank of Metropolis's primary federal regulator is the OCC.
What is The City National Bank of Metropolis's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.06% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The City National Bank of Metropolis operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The City National Bank of Metropolis's Texas Ratio?
Its Texas Ratio is 8.53% 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.
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