Metro City 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.91 percentage points lower than in Q1 2026, at 152.11%. On loan-to-deposit ratio, Metro City Bank ranks 3rd highest among the 122 banks headquartered in Georgia, at 112.28% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Metro City Bank sits 24.08 points higher, at 112.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.96B |
| Net loans and leases | $3.93B |
| Loans held for sale | $1.4M |
| Loans to total assets | 88.69% |
| Loan-to-deposit ratio | 112.28% |
| Net loans to equity capital | 7.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.87% |
| Multifamily (5+ residential) | 0.55% |
| Commercial and industrial | 2.16% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 152.11% |
| Construction concentration (Tier 1 capital + allowance) | 13.20% |
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 | 6.74% |
| Interest income on loans | $67.3M |
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 | $3.03B | $2.75B | 19.97% | 2.02% | 0.00% |
| Q4 2023 | $3.17B | $2.75B | 21.81% | 2.07% | 0.00% |
| Q1 2024 | $3.19B | $2.84B | 22.14% | 2.14% | 0.00% |
| Q2 2024 | $3.09B | $2.78B | 23.19% | 2.20% | 0.00% |
| Q3 2024 | $3.10B | $2.75B | 23.50% | 2.05% | 0.00% |
| Q4 2024 | $3.16B | $2.76B | 23.64% | 2.47% | 0.00% |
| Q1 2025 | $3.17B | $2.77B | 24.75% | 2.25% | 0.00% |
| Q2 2025 | $3.13B | $2.72B | 25.29% | 2.43% | 0.00% |
| Q3 2025 | $3.20B | $2.73B | 25.27% | 2.30% | 0.00% |
| Q4 2025 | $4.06B | $3.67B | 37.37% | 2.46% | 0.01% |
| Q1 2026 | $4.00B | $3.66B | 36.16% | 2.27% | 0.01% |
| Q2 2026 | $3.96B | $3.53B | 35.87% | 2.16% | 0.00% |
Metro City Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Metro City 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 City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58181) · FFIEC NIC profile (RSSD 3437456)