Metro City Bank
Metro City completed a merger involving an acquired institution in December 2025. Metro City Bank is the primary bank subsidiary of its parent holding company, headquartered in Doraville, GA. The Q1 2026 balance sheet stands at $4.6B in assets, including $4.0B in loans. The bank posts a strong 1.93% ROA and 18.08% ROE. Capital cushions are healthy: 16.50% CET1, 10.46% Tier 1 leverage. Asset quality is solid — 0.77% nonperforming loans and a 6.24% Texas Ratio. Its footprint covers 31 branches concentrated in Georgia.
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
- Fed District
- 5
- Established
- April 4, 2006
- Branches
- 31 domestic
- Employees (FTE)
- 305
- FDIC Cert
- 58181
- Fed RSSD
- 3437456
- Website
- www.metrocitybank.bank →
- Parent Holding Company
- METROCITY BANKSHARES, INC. (RSSD 4750086)
Management
Senior officers at parent holding company — SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Paek Nack Y | CEO | Chief Executive Officer |
| Stewart Lucas | CFO | Chief Financial Officer |
| Tan Farid | PRES | President |
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Metro City Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- MergerParticipated in FDIC Assisted MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
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Frequently asked about Metro City Bank
What are Metro City Bank's total assets?
As of the Q1 2026 filing, Metro City Bank reported total assets of $4.63 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Metro City Bank headquartered?
Metro City Bank is headquartered in DORAVILLE, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Metro City Bank founded?
Metro City Bank was established in 2006, per the FDIC institution directory.
Is Metro City Bank FDIC-insured?
Yes. Metro City Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Metro City Bank's CET1 capital ratio?
Metro City Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.50% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Metro City Bank operate?
Metro City Bank operates 31 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Metro City Bank's Texas Ratio?
Metro City Bank's Texas Ratio is 6.24% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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