Metropolitan Bank
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Data as of · sourced from FFIEC call reports. How we update
Metropolitan Bank is an FDIC-insured commercial bank headquartered in Oakland, CA, established in 1983 (FDIC certificate 25869), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $230.2M, down 5.5% from Q2 2025, the 97th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 25869
- Headquarters
- Oakland, CA
- Established
- 1983
- Total assets, Q2 2026
- $230.2M
- Assets vs Q2 2025
- -5.5%
- Tier 1 leverage ratio, Q2 2026
- 13.09%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 121141343
- Holding company
- MET FINANCIAL CORPORATION
- Asset rank in state
- 97th of 113 in California
Metropolitan Bank pays more for its money than most banks of its size. It reported $230 million in assets at June 30, 2026, down 5.5% from a year earlier. It pays an average of 2.78% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans worth 3.1 times its capital, 2.6 times the median of 1.2 times for banks its size.
Its $28 million multifamily book is improving, with 5.94% past due or on nonaccrual, down from 9.02% a year earlier. Delinquency has appeared in its $69 million non-owner-occupied commercial real estate book: 1.33% of those loans are past due or on nonaccrual, against almost none a year earlier. Credit is the area to watch: it carries problem assets equal to 15.9% of the capital and reserves that would absorb them, 6.0 times the median of 2.6% for banks its size.
As of June 30, 2026, Metropolitan Bank reported a return on assets of 0.69%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 15.92%. The figures come from its call report filed with the FFIEC.
Metropolitan Bank ranks as the 97th largest of the 113 banks based in California, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.7% to $230.2M, loans rose 2.5% and deposits fell 0.8%. Non-owner-occupied commercial real estate loans made up 36.7% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 26.1%. The FDIC Summary of Deposits lists 4 offices for it, in Oakland, CA, San Francisco, CA and San Jose, CA; its Oakland 2 offices book 64% of its branch deposits. By the capital ratios in its Q2 2026 call report, Metropolitan Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 250 E 18th St, Oakland, CA 94606
- County
- Alameda
- Metro Area
- San Francisco-Oakland-Fremont, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1983
- Former names
- Metropolitan National Bank (1986-1993)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $194.7M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $231.1M
- Average total loans
- $183.7M
- Average interest-bearing deposits
- $172.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 17, 1984
- FDIC Cert
- 25869
- Fed RSSD
- 534466
- Website
- https://www.met.bank →
- Parent Holding Company
- MET FINANCIAL CORPORATION (RSSD 1139439)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Metropolitan Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Metropolitan Bank's total assets moved between a low of $222.4M (Q4 2023) and a high of $243.7M (Q2 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
$230.2M total assets against $243.7M; $200.1M total liabilities against $214.5M.
$185.2M net loans and leases against $185.4M; $194.7M total deposits against $204.0M.
$4.5M securities against $5.3M; $28.5M cash and balances due against $42.7M.
$3.5M total interest income against $3.9M; $1.4M total interest expense against $1.7M.
$2.1M net interest income against $2.1M.
$178K total noninterest income against $84K; $1.7M total noninterest expense against $1.7M.
$7K provision for credit losses against $43K.
$397K net income against $363K.
0.69% return on assets against 0.60%; 3.79% net interest margin against 3.63%.
13.09% tier 1 leverage ratio against 12.01%.
Inside the full Metropolitan 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Metropolitan Bank rankings
Its closest position to the top of a national ranking is 272 of 3,640, for Texas Ratio; its furthest is 3,057 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.55% (Q3 2024) to 1.67% (Q4 2024) and its net interest margin ran from 3.39% (Q3 2024) to 3.94% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.09% | 0.69% | 0.00% | 15.92% | 3.79% |
| Q1 2026 | 13.00% | 0.60% | 1.73% | 20.02% | 3.76% |
| Q4 2025 | 12.63% | 0.72% | 1.71% | 20.18% | 3.94% |
| Q3 2025 | 12.29% | 0.66% | 0.81% | 15.44% | 3.72% |
| Q2 2025 | 12.01% | 0.60% | 0.00% | 10.83% | 3.63% |
| Q1 2025 | 12.19% | 0.60% | 0.34% | 13.08% | 3.46% |
| Q4 2024 | 12.07% | 1.67% | 0.35% | 13.22% | 3.44% |
| Q3 2024 | 11.62% | 0.55% | 2.00% | 12.75% | 3.39% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Metropolitan Bank (main office) | Oakland , CA | 94606 | $83.9M |
| San Francisco Branch | San Francisco , CA | 94133 | $43.6M |
| Oakland Chinatown Branch | Oakland , CA | 94607 | $40.9M |
| San Jose Branch | San Jose , CA | 95122 | $26.3M |
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 |
|---|---|---|---|
| May 20, 1994 | Structure Change | Acquired Barbary Coast National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 19, 1994 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 18, 1993 | Structure Change | Acquired Regent Thrift and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 17, 1993 | 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
- <0.1% of deposits in CA, rank 136 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $125K approved, $62K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Metropolitan Bank
What are Metropolitan Bank's total assets?
As of the Q2 2026 filing, Metropolitan Bank reported total assets of $230.2 million in its FFIEC call report.
Where is Metropolitan Bank headquartered?
It is headquartered in Oakland, CA, United States.
When was Metropolitan Bank founded?
It was established in 1983, per the FDIC institution directory.
Is Metropolitan Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25869). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Metropolitan Bank?
Metropolitan Bank's primary federal regulator is the FDIC.
How many branches does Metropolitan Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Metropolitan Bank's Texas Ratio?
Its Texas Ratio is 15.92% 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.
What was Metropolitan Bank previously called?
The charter now named Metropolitan Bank has also operated as Metropolitan National Bank (1986-1993), per FDIC structure-change records.
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