Bank Comparison
Flushing Savings Bank, FSB vs Metropolitan Commercial Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Flushing Savings Bank, FSB | Metropolitan Commercial Bank |
|---|---|---|
| CET1 Ratio | 13.89% | 13.13% |
| Tier 1 Capital Ratio | 13.89% | 13.13% |
| Total Capital Ratio | 14.59% | 14.27% |
| Tier 1 Leverage Ratio | 10.45% | 11.36% |
| Equity / Assets | 10.41% | 10.70% |
Profitability
| Metric | Flushing Savings Bank, FSB | Metropolitan Commercial Bank |
|---|---|---|
| Return on Assets (ROA) | 0.53% | 1.52% |
| Return on Equity (ROE) | 5.14% | 15.60% |
| Net Interest Margin (NIM) | 2.84% | 4.05% |
| Yield on Earning Assets | 5.48% | 6.33% |
| Cost of Funds | 2.87% | 2.56% |
Asset quality
| Metric | Flushing Savings Bank, FSB | Metropolitan Commercial Bank |
|---|---|---|
| Texas Ratio | 8.64% | 7.94% |
| Non-Performing Loan Ratio | 1.27% | 1.15% |
| Non-Performing Asset Ratio | 0.94% | 0.91% |
| Net Charge-Off Ratio | 0.03% | 0.72% |
| ACL / Loans | 0.68% | 1.16% |
Balance sheet
| Metric | Flushing Savings Bank, FSB | Metropolitan Commercial Bank |
|---|---|---|
| Total Assets | $8,860M | $8,843M |
| Total Deposits | $7,596M | $7,794M |
| Total Loans | $6,561M | $7,046M |
| Total Equity | $922,694K | $946,437K |
| Net Income (quarter) | $11,793K | $32,633K |
Liquidity & funding
| Metric | Flushing Savings Bank, FSB | Metropolitan Commercial Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.37% | 90.40% |
| Core Deposit Ratio | 78.85% | 70.34% |
| Uninsured Deposit Ratio | 36.31% | 25.40% |
Identity
| Metric | Flushing Savings Bank, FSB | Metropolitan Commercial Bank |
|---|---|---|
| Headquarters City | Flushing | NEW YORK |
| Headquarters State | NY | NY |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 711990 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 30 | 10 |
| Employees (FTE) | 574 | 335 |
| Established | June 1, 1929, midnight | June 21, 1999, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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