Metro Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Metro Bank of Pell City, AL against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.65% | 1.34% | +0.31% | 73rd above |
| ROAE | 11.70% | 12.40% | -0.70% | 44th below |
| Net Interest Margin | 3.65% | 3.83% | -0.18% | 45th below |
| Efficiency Ratio | 46.52% | 57.84% | -11.32% | 83rd top |
| PPNR / Avg Assets | 2.09% | — | — | 72nd above |
| Yield on Earning Assets | 5.13% | 5.71% | -0.58% | 26th below |
| Cost of Funds | 1.70% | 2.02% | -0.32% | 69th above |
| Net Interest Spread | 2.81% | — | — | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.17% | 1.00% | +0.17% | 28th below |
| NPA / Total Assets | 0.80% | — | — | 32nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.30% | 0.43% | -0.13% | 13th bottom |
| ACL / Total Loans | 1.15% | — | — | 50th above |
| ACL / NPLs (Coverage) | 98.62% | — | — | 30th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.39% | 5.47% | -0.08% | 36th below |
| Provision / NCO | 43.80% | — | — | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.68% | 11.11% | +3.57% | 92nd top |
| Equity / Assets | 14.41% | 11.02% | +3.39% | 91st top |
| TCE / Tangible Assets | 14.41% | — | — | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.11% | 86.99% | -27.88% | 94th top |
| Core Deposit Ratio | 81.02% | 85.57% | -4.55% | 23rd bottom |
| Uninsured Deposit Ratio | 36.97% | 33.19% | +3.78% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.84% | — | — | 32nd below |
| Loan Growth (Y/Y) | 1.86% | — | — | 27th below |
| Deposit Growth (Y/Y) | 2.02% | — | — | 29th below |
See Metro Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Metro Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Metro Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Metro Bank peer analysis.