Metro City Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Metro City Bank of Doraville, GA against its peer group of 931 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 | 1.96% | 1.46% | +0.50% | 86th top |
| ROAE | 17.48% | 12.71% | +4.77% | 82nd top |
| Net Interest Margin | 4.08% | 3.85% | +0.23% | 74th above |
| Efficiency Ratio | 39.23% | 57.44% | -18.21% | 93rd top |
| PPNR / Avg Assets | 2.65% | 1.88% | +0.77% | 90th top |
| Yield on Earning Assets | 6.53% | 5.71% | +0.82% | 89th top |
| Cost of Funds | 2.65% | 2.01% | +0.64% | 16th bottom |
| Net Interest Spread | 3.20% | 3.18% | +0.02% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.79% | 1.00% | -0.21% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.73% | 0.76% | -0.03% | 36th below |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 92nd top |
| ACL / Total Loans | 0.65% | 1.31% | -0.66% | 7th bottom |
| ACL / NPLs (Coverage) | 82.39% | 544.17% | -461.78% | 22nd bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.21% | 7.39% | -1.18% | 40th below |
| Provision / NCO | -1064.94% | 622.05% | -1686.99% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.14% | 17.34% | -0.20% | 83rd top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.14% | 17.37% | -0.23% | 83rd top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.04% | 18.42% | -0.38% | 82nd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.08% | 11.44% | -0.36% | 62nd above |
| Equity / Assets | 11.53% | 11.33% | +0.20% | 69th above |
| TCE / Tangible Assets | 11.22% | 10.50% | +0.72% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 112.28% | 86.91% | +25.37% | 5th bottom |
| Core Deposit Ratio | 60.14% | 85.60% | -25.46% | 4th bottom |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.79% | 33.12% | -0.33% | 44th below |
| Wholesale Funding Ratio | 8.40% | 5.70% | +2.70% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 23.72% | 9.66% | +14.06% | 93rd top |
| Loan Growth (Y/Y) | 26.56% | 8.02% | +18.54% | 94th top |
| Deposit Growth (Y/Y) | 29.48% | 7.83% | +21.65% | 94th top |
See Metro City Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Metro City 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 City Bank profile, how to read a UBPR, or how this data updates.