Metro Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 7.16 percentage points in Q2 2026, from 187.32% to 180.16%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Metro Bank is 64th of 93 on loan-to-deposit ratio, 59.11% as of Q2 2026. Metro Bank reported 59.11% on loan-to-deposit ratio for Q2 2026, 29.09 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $594.2M |
| Net loans and leases | $587.3M |
| Loans held for sale | $637K |
| Loans to total assets | 50.24% |
| Loan-to-deposit ratio | 59.11% |
| Net loans to equity capital | 3.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.74% |
| Multifamily (5+ residential) | 2.75% |
| Commercial and industrial | 6.57% |
| Consumer | 3.36% |
| Credit cards | 0.00% |
| Farm | 1.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 180.16% |
| Construction concentration (Tier 1 capital + allowance) | 55.27% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.98% |
| Interest income on loans | $10.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $488.0M | $861.4M | 42.98% | 6.35% | 4.19% |
| Q4 2023 | $500.2M | $865.9M | 42.69% | 6.10% | 3.97% |
| Q1 2024 | $516.7M | $899.7M | 41.53% | 7.17% | 3.78% |
| Q2 2024 | $540.9M | $914.6M | 42.29% | 7.13% | 3.55% |
| Q3 2024 | $550.6M | $946.3M | 46.81% | 6.62% | 3.24% |
| Q4 2024 | $561.5M | $970.8M | 45.36% | 6.77% | 3.13% |
| Q1 2025 | $563.4M | $977.1M | 48.55% | 6.78% | 3.06% |
| Q2 2025 | $583.3M | $985.2M | 51.06% | 6.11% | 3.05% |
| Q3 2025 | $594.3M | $979.7M | 48.61% | 5.82% | 3.23% |
| Q4 2025 | $594.9M | $1.01B | 46.81% | 5.40% | 3.48% |
| Q1 2026 | $591.5M | $1.02B | 45.64% | 6.13% | 3.46% |
| Q2 2026 | $594.2M | $1.01B | 45.74% | 6.57% | 3.36% |
Metro Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Metro Bank, freeSource: Call Report Schedule RC-C, 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 Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27510) · FFIEC NIC profile (RSSD 1394621)