Metro City Bank
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Data as of · sourced from FFIEC call reports. How we update
Metro City Bank is an FDIC-insured commercial bank headquartered in Doraville, GA, established in 2006 (FDIC certificate 58181), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.47B, up 23.7% from Q2 2025, the 3rd largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 17.14% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58181
- Headquarters
- Doraville, GA
- Established
- 2006
- Total assets, Q2 2026
- $4.47B
- Assets vs Q2 2025
- +23.7%
- CET1 ratio, Q2 2026
- 17.14%
- Domestic offices
- 27 FDIC institution directory, current count
- Routing number
- 061120686
- Latest call report
- Q2 2026, FFIEC 041 · Metro City Bank call report
- Holding company
- METROCITY BANKSHARES, INC.
- Asset rank in state
- 3rd of 121 in Georgia
Metro City Bank runs leaner than most banks of its size. Its balance sheet stood at $4.5 billion at June 30, 2026, up 23.7% from a year earlier; it is based in Doraville, Georgia. It spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also grew its loan book 26.6% over the year, 4.5 times the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $22 million, 32% above the same quarter a year earlier. Delinquency has appeared in its $687 million non-owner-occupied commercial real estate book: 1.21% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 2.65% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Metro City Bank reported a CET1 capital ratio of 17.14%, a return on assets of 1.96%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 3.15%. The figures come from its call report filed with the FFIEC.
Metro City Bank ranks as the 3rd largest of the 121 banks based in Georgia, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.6% to $4.47B, loans fell 1.1% and deposits fell 3.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 59.6% of total loans, followed by owner-occupied commercial real estate loans at 18.6%. Its 27 offices in the FDIC Summary of Deposits are in 22 cities across 8 states; its Doraville 2 offices book 40% of its branch deposits. On its Q2 2026 call report, Metro City Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5114 Buford Hwy Ne, Doraville, GA 30340
- County
- Dekalb
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 4, 2006
- Domestic offices
- 27 FDIC institution directory, current count
- Employees (FTE)
- 309
- Domestic deposits
- $3.53B
- Allowance for credit losses
- $25.8M
- Net charge-offs (YTD)
- $174K
- Average total assets
- $4.53B
- Average total loans
- $4.00B
- Average interest-bearing deposits
- $2.74B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 4, 2006
- FDIC Cert
- 58181
- Fed RSSD
- 3437456
- SEC CIK
- 1747068 → filed by METROCITY BANKSHARES, INC.
- Website
- www.metrocitybank.bank →
- Parent Holding Company
- METROCITY BANKSHARES, INC. (RSSD 4750086) · MCBS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Nack Y Paek | CEO | Chief Executive Officer |
| Farid Tan | PRES | President |
| Lucas Stewart | CFO | Chief Financial Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Metro City Bank's total assets moved between a low of $3.48B (Q4 2023) and a high of $4.71B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.47B total assets against $3.61B; $3.95B total liabilities against $3.18B.
$3.93B net loans and leases against $3.11B; $3.53B total deposits against $2.72B.
$44.7M securities against $33.5M; $262.2M cash and balances due against $272.3M.
$70.4M total interest income against $54.0M; $26.4M total interest expense against $21.9M.
$44.0M net interest income against $32.2M.
$5.8M total noninterest income against $5.8M; $19.9M total noninterest expense against $14.1M.
-$792K provision for credit losses against $130K.
$22.2M net income against $16.9M.
1.96% return on assets against 1.87%; 4.08% net interest margin against 3.74%.
17.14% CET1 capital ratio against 19.79%; 11.08% tier 1 leverage ratio against 11.84%.
Inside the full Metro City Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Metro City Bank rankings
Its closest position to the top of a national ranking is 180 of 3,606, for efficiency ratio; its furthest is 1,820 of 3,640, for Texas Ratio.
Metric pages for Metro City Bank: Efficiency ratio.
Banks merged into Metro City Bank
- First IC Bank, effective December 2, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.51% (Q4 2025) to 1.96% (Q2 2026) and its net interest margin ran from 3.13% (Q4 2025) to 4.08% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.14% | 1.96% | 0.44% | 3.15% | 4.08% |
| Q1 2026 | 16.50% | 1.93% | 0.42% | 3.05% | 4.01% |
| Q4 2025 | 15.83% | 1.51% | 0.64% | 4.32% | 3.13% |
| Q3 2025 | 19.81% | 1.91% | 0.41% | 2.98% | 3.69% |
| Q2 2025 | 19.79% | 1.87% | 0.46% | 3.32% | 3.74% |
| Q1 2025 | 19.11% | 1.84% | 0.53% | 4.13% | 3.60% |
| Q4 2024 | 19.04% | 1.85% | 0.57% | 3.96% | 3.57% |
| Q3 2024 | 19.03% | 1.88% | 0.46% | 3.73% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
View all 27 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Metro City Bank (main office) | Doraville , GA | 30340 | $1.09B |
| Main Ii Branch | Doraville , GA | 30340 | $310.9M |
| Duluth Branch | Duluth , GA | 30096 | $280.7M |
| Suwanee Branch | Suwanee , GA | 30024 | $256.7M |
| Johns Creek Branch | Johns Creek , GA | 30097 | $202.2M |
| Norcross Branch | Norcross , GA | 30093 | $153.4M |
| Sugarloaf Branch | Suwanee , GA | 30024 | $145.8M |
| Suwanee Fic Branch | Suwanee , GA | 30024 | $143.8M |
| Opelika Branch | Opelika , AL | 36801 | $116.3M |
| Norcross Branch | Norcross , GA | 30092 | $102.3M |
| Peachtree Pkwy Branch | Johns Creek , GA | 30024 | $94.7M |
| Montgomery Branch | Montgomery , AL | 36117 | $69.4M |
| Centreville Branch | Centreville , VA | 20121 | $67.0M |
| Marietta Branch | Marietta , GA | 30062 | $65.1M |
| Flushing Branch | Flushing , NY | 11354 | $53.8M |
| Grand Prairie Branch | Grand Prairie , TX | 75051 | $50.1M |
| Houston Branch | Houston , TX | 77036 | $41.1M |
| Annandale Branch | Annandale , VA | 22003 | $35.0M |
| Fort Lee, New Jersey Branch | Fort Lee , NJ | 07024 | $34.7M |
| Lagrange Branch | Lagrange , GA | 30241 | $33.3M |
| Carrollton Branch | Carrollton , TX | 75006 | $30.6M |
| Bayside Branch | Bayside , NY | 11361 | $30.6M |
| Dallas Branch | Dallas , TX | 75243 | $28.7M |
| Palisades Park Branch | Palisades Park , NJ | 07650 | $26.5M |
| Tampa Branch | Tampa , FL | 33647 | $25.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 2, 2025 | Structure Change | Acquired First IC Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 3, 2012 | Structure Change | Acquired Global Commerce Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 2, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in GA, rank 16 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,404 applications, 1,247 loans originated, $463.2M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 86 loans, $153.8M approved, $1.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Metro City Bank
What are Metro City Bank's total assets?
As of the Q2 2026 filing, Metro City Bank reported total assets of $4.47 billion in its FFIEC call report.
Where is Metro City Bank headquartered?
It is headquartered in Doraville, GA, United States.
When was Metro City Bank founded?
It was established in 2006, per the FDIC institution directory.
Is Metro City Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58181). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Metro City Bank?
Metro City Bank's primary federal regulator is the FDIC.
What is Metro City Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Metro City Bank operate?
It operates 27 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Metro City Bank's Texas Ratio?
Its Texas Ratio is 3.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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