Metropolitan 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 climbed 12.74 percentage points in Q2 2026, from 1414.29% to 1427.03%. It was the largest change from Q1 2026 among the key lines here. Within California, Metropolitan Bank is 86th of 114 on return on assets, 0.69% as of Q2 2026, below the middle of the field. Metropolitan Bank reported 0.69% on return on assets for Q2 2026, 0.57 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.09% |
| Equity capital to assets | 13.11% |
| Tangible equity to tangible assets | 13.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 2.40% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 16.58% |
| Allowance for credit losses to loans | 1.68% |
| Reserve coverage of non-performing loans | 1427.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.69% |
| Return on equity | 5.26% |
| Net interest margin | 3.79% |
| Efficiency ratio | 75.17% |
| Yield on earning assets | 6.29% |
| Cost of funds | 2.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.74% |
| Core deposits to total deposits | 82.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.55% |
| Securities to assets | 1.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.07% | 0.79% | 3.78% | 0.69% | 0.00% |
| Q4 2023 | 12.08% | 0.38% | 3.35% | 0.63% | 0.12% |
| Q1 2024 | 12.03% | 0.47% | 3.38% | 0.48% | 0.00% |
| Q2 2024 | 11.71% | 0.35% | 3.43% | 0.45% | 0.00% |
| Q3 2024 | 11.62% | 0.55% | 3.39% | 0.46% | 0.00% |
| Q4 2024 | 12.07% | 1.67% | 3.44% | 0.46% | 0.00% |
| Q1 2025 | 12.19% | 0.60% | 3.46% | 0.45% | 0.00% |
| Q2 2025 | 12.01% | 0.60% | 3.63% | 0.47% | 0.00% |
| Q3 2025 | 12.29% | 0.66% | 3.72% | 0.46% | 0.00% |
| Q4 2025 | 12.63% | 0.72% | 3.94% | 0.12% | -0.13% |
| Q1 2026 | 13.00% | 0.60% | 3.76% | 0.12% | 0.00% |
| Q2 2026 | 13.09% | 0.69% | 3.79% | 0.12% | 0.00% |
Metropolitan Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Metropolitan 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 Metropolitan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25869) · FFIEC NIC profile (RSSD 534466)