Metro City Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 4.24 percentage points in Q2 2026, from 86.63% to 82.39%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Metro City Bank is 29th of 121 on return on assets, 1.96% as of Q2 2026, above the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Metro City Bank reported 1.96% on return on assets in Q2 2026, 0.69 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.14% |
| Tier 1 risk-based capital ratio | 17.14% |
| Total risk-based capital ratio | 18.04% |
| Tier 1 leverage ratio | 11.08% |
| Equity capital to assets | 11.53% |
| Tangible equity to tangible assets | 11.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.79% |
| Non-performing assets ratio | 0.73% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 6.21% |
| Allowance for credit losses to loans | 0.65% |
| Reserve coverage of non-performing loans | 82.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.96% |
| Return on equity | 17.48% |
| Net interest margin | 4.08% |
| Efficiency ratio | 39.23% |
| Yield on earning assets | 6.53% |
| Cost of funds | 2.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.28% |
| Core deposits to total deposits | 60.14% |
| Brokered deposits to total deposits | 19.14% |
| Deposits to assets | 78.99% |
| Securities to assets | 1.00% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.89% | 16.89% | 17.77% | 9.99% | 1.33% |
| Q4 2023 | 16.64% | 16.64% | 17.51% | 10.15% | 1.31% |
| Q1 2024 | 16.86% | 16.86% | 17.72% | 10.21% | 1.66% |
| Q2 2024 | 18.16% | 18.16% | 19.03% | 10.70% | 1.91% |
| Q3 2024 | 19.03% | 19.03% | 19.94% | 11.07% | 1.88% |
| Q4 2024 | 19.04% | 19.04% | 19.93% | 11.49% | 1.85% |
| Q1 2025 | 19.11% | 19.11% | 19.97% | 11.69% | 1.84% |
| Q2 2025 | 19.79% | 19.79% | 20.67% | 11.84% | 1.87% |
| Q3 2025 | 19.81% | 19.81% | 20.63% | 12.14% | 1.91% |
| Q4 2025 | 15.83% | 15.83% | 16.77% | 9.84% | 1.51% |
| Q1 2026 | 16.50% | 16.50% | 17.42% | 10.46% | 1.93% |
| Q2 2026 | 17.14% | 17.14% | 18.04% | 11.08% | 1.96% |
Metro City Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Metro City Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)