Metropolitan 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): 6.28 percentage points higher than in Q1 2026, at 307.43%. Within California, Metropolitan Bank is 33rd of 114 on loan-to-deposit ratio, 96.74% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Metropolitan Bank sits 15.90 points higher, at 96.74% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $188.3M |
| Net loans and leases | $185.2M |
| Loans held for sale | $0 |
| Loans to total assets | 81.79% |
| Loan-to-deposit ratio | 96.74% |
| Net loans to equity capital | 6.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.75% |
| Multifamily (5+ residential) | 14.58% |
| Commercial and industrial | 2.99% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 2.92% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 307.43% |
| Construction concentration (Tier 1 capital + allowance) | 17.94% |
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 | 6.83% |
| Interest income on loans | $3.1M |
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 | $184.5M | $185.0M | 50.09% | 2.41% | 0.44% |
| Q4 2023 | $183.8M | $182.8M | 49.48% | 3.41% | 0.44% |
| Q1 2024 | $190.1M | $186.9M | 48.73% | 3.13% | 0.52% |
| Q2 2024 | $201.4M | $192.1M | 48.54% | 2.81% | 0.43% |
| Q3 2024 | $195.8M | $198.1M | 49.17% | 2.88% | 0.43% |
| Q4 2024 | $195.2M | $194.6M | 51.00% | 3.04% | 0.43% |
| Q1 2025 | $197.9M | $200.9M | 50.84% | 2.81% | 0.42% |
| Q2 2025 | $188.5M | $204.0M | 52.01% | 3.42% | 0.43% |
| Q3 2025 | $190.3M | $200.2M | 51.24% | 4.06% | 0.36% |
| Q4 2025 | $185.9M | $195.8M | 50.92% | 2.64% | 0.54% |
| Q1 2026 | $183.8M | $196.2M | 49.40% | 2.00% | 0.67% |
| Q2 2026 | $188.3M | $194.7M | 49.75% | 2.99% | 0.51% |
Metropolitan Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Metropolitan 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 Metropolitan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25869) · FFIEC NIC profile (RSSD 534466)