The City National Bank of Metropolis: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.09 percentage points lower than in Q1 2026, at 81.68%. Within Illinois, The City National Bank of Metropolis is 237th of 323 on return on assets, 0.79% as of Q2 2026, below the middle of the field. The City National Bank of Metropolis reported 0.79% on return on assets for Q2 2026, 0.47 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.06% |
| Tier 1 risk-based capital ratio | 24.06% |
| Total risk-based capital ratio | 25.17% |
| Tier 1 leverage ratio | 13.78% |
| Equity capital to assets | 10.68% |
| Tangible equity to tangible assets | 10.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.42% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | 0.18% |
| Texas ratio | 8.53% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 81.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.79% |
| Return on equity | 7.53% |
| Net interest margin | 2.85% |
| Efficiency ratio | 64.39% |
| Yield on earning assets | 4.89% |
| Cost of funds | 2.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.05% |
| Core deposits to total deposits | 77.09% |
| Brokered deposits to total deposits | 3.56% |
| Deposits to assets | 77.39% |
| Securities to assets | 37.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.11% | 23.11% | 24.36% | 12.81% | 0.70% |
| Q4 2023 | 22.92% | 22.92% | 24.18% | 12.59% | 0.33% |
| Q1 2024 | 23.59% | 23.59% | 24.85% | 12.94% | 0.67% |
| Q2 2024 | 23.79% | 23.79% | 25.04% | 12.99% | 0.54% |
| Q3 2024 | 24.52% | 24.52% | 25.77% | 13.11% | 0.41% |
| Q4 2024 | 23.95% | 23.95% | 25.20% | 12.93% | 0.57% |
| Q1 2025 | 24.18% | 24.18% | 25.44% | 13.11% | 0.61% |
| Q2 2025 | 24.10% | 24.10% | 25.35% | 13.13% | 0.86% |
| Q3 2025 | 24.06% | 24.06% | 25.31% | 13.35% | 0.82% |
| Q4 2025 | 24.38% | 24.38% | 25.61% | 13.35% | 0.80% |
| Q1 2026 | 24.46% | 24.46% | 25.63% | 13.74% | 0.69% |
| Q2 2026 | 24.06% | 24.06% | 25.17% | 13.78% | 0.79% |
The City National Bank of Metropolis vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank of Metropolis, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The City National Bank of Metropolis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3814) · FFIEC NIC profile (RSSD 298245)