Metropolitan Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Metropolitan Bank of Oakland, CA against its peer group of 2672 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 | 0.69% | 1.34% | -0.65% | 19th bottom |
| ROAE | 5.26% | 13.32% | -8.06% | 15th bottom |
| Net Interest Margin | 3.79% | 3.93% | -0.14% | 41st below |
| Efficiency Ratio | 75.17% | 61.14% | +14.03% | 19th bottom |
| PPNR / Avg Assets | 0.98% | 1.68% | -0.70% | 19th bottom |
| Yield on Earning Assets | 6.29% | 5.67% | +0.62% | 80th top |
| Cost of Funds | 2.78% | 1.88% | +0.90% | 9th bottom |
| Net Interest Spread | 3.05% | 3.32% | -0.27% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.94% | -0.82% | 71st above |
| NPA / Total Assets | 2.40% | 0.70% | +1.70% | 5th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.68% | 1.28% | +0.40% | 87th top |
| ACL / NPLs (Coverage) | 1427.03% | 1538.70% | -111.67% | — |
| Texas Ratio | 16.58% | 7.33% | +9.25% | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.09% | 12.14% | +0.95% | 76th top |
| Equity / Assets | 13.11% | 11.37% | +1.74% | 79th top |
| TCE / Tangible Assets | 13.11% | 11.09% | +2.02% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.74% | 80.63% | +16.11% | 16th bottom |
| Core Deposit Ratio | 82.66% | 86.86% | -4.20% | 23rd bottom |
| Wholesale Funding Ratio | 0.87% | 5.03% | -4.16% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.52% | 6.85% | -12.37% | 4th bottom |
| Loan Growth (Y/Y) | -0.07% | 7.90% | -7.97% | 22nd bottom |
| Deposit Growth (Y/Y) | -4.59% | 6.29% | -10.88% | 7th bottom |
See Metropolitan Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Metropolitan 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 Metropolitan Bank profile, how to read a UBPR, or how this data updates.