Branch Network
First Metro Bank Locations & Branches Muscle Shoals, Alabama
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First Metro Bank operates 11 branches from its headquarters in Muscle Shoals, AL, .
First Metro Bank branch network
All 11 branches are in ALABAMA, across 6 cities. Florence, AL has the most of its branches, 4. Its largest office by deposits is its main office in Muscle Shoals, AL, with $394.7M (44.2% of its branch deposits). It had the same number of branches on June 30, 2025.
First Metro Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 12.98% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $1.01B
- Tier 1 leverage ratio, Q2 2026
- 12.98%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1988
Full financial profile · Is First Metro Bank safe? · First Metro Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Muscle Shoals, AL (2 branches) | 1 of 6 | 50.0% | $402.8M |
| State: AL (11 branches) | 30 of 131 | 0.6% | $893.7M |
Ranked by total assets among banks headquartered in the state: Largest banks in Alabama.
Share by county and metro area
First Metro Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Colbert, AL (3 branches) | 1 of 6 | 43.3% | $572.4M | $1.32B |
| Lauderdale, AL (5 branches) | 3 of 16 | 9.5% | $249.5M | $2.62B |
| Franklin, AL (1 branch) | 5 of 5 | 5.0% | $45.0M | $892.3M |
| Limestone, AL (2 branches) | 8 of 12 | 1.9% | $26.7M | $1.44B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Florence-Muscle Shoals, AL (8 branches) | 2 of 16 | 20.9% | $822.0M | $3.94B |
| Huntsville, AL (2 branches) | 32 of 37 | 0.2% | $26.7M | $12.27B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Metro Bank (main office) | Muscle Shoals, AL | 35661 | $394.7M |
| Main Street Branch | Tuscumbia, AL | 35674 | $169.6M |
| Pine Street Branch | Florence, AL | 35630 | $109.5M |
| Lexington Branch | Lexington, AL | 35648 | $61.1M |
| Russellville Branch | Russellville, AL | 35653 | $45.0M |
| Florence Branch | Florence, AL | 35630 | $28.0M |
| Highway 43 Branch | Florence, AL | 35634 | $27.0M |
| Cloverdale Road Branch | Florence, AL | 35633 | $24.0M |
| Athens Branch | Athens, AL | 35611 | $17.7M |
| Gateway Boulevard Branch | Athens, AL | 35613 | $9.0M |
| Avalon Branch | Muscle Shoals, AL | 35661 | $8.1M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 27381) · FFIEC NIC profile (RSSD 1222519)