US Metro Bank
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Data as of · sourced from FFIEC call reports. How we update
US Metro Bank is an FDIC-insured commercial bank headquartered in Garden Grove, CA, established in 2006 (FDIC certificate 58310), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.64B, up 13.0% from Q2 2025, the 46th largest of 113 banks headquartered in California. Its CET1 capital ratio was 12.35% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58310
- Headquarters
- Garden Grove, CA
- Established
- 2006
- Total assets, Q2 2026
- $1.64B
- Assets vs Q2 2025
- +13.0%
- CET1 ratio, Q2 2026
- 12.35%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 122244427
- Holding company
- US METRO BANCORP
- Asset rank in state
- 46th of 113 in California
US Metro Bank pays more for its money than most banks of its size. It reported $1.6 billion in assets at June 30, 2026, up 13.0% from a year earlier. It pays an average of 2.94% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds commercial real estate loans worth 3.9 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $4.1 million, 38% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($631 million) is worsening: 2.83% of it is past due or on nonaccrual, up from 1.44% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.3% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, US Metro Bank reported a CET1 capital ratio of 12.35%, a return on assets of 1.02%, a nonperforming-loan ratio of 1.54% and a Texas ratio of 11.28%. The figures come from its call report filed with the FFIEC.
US Metro Bank ranks as the 46th largest of the 113 banks based in California, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.0% to $1.64B, loans rose 5.3% and deposits rose 5.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 46.0% of total loans, followed by owner-occupied commercial real estate loans at 22.2%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities across 2 states; its Los Angeles 3 offices book 34% of its branch deposits. By the capital ratios in its Q2 2026 call report, US Metro Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 9866 Garden Grove Blvd, Garden Grove, CA 92844
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, 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 15, 2006
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 204
- Domestic deposits
- $1.44B
- Allowance for credit losses
- $17.4M
- Net charge-offs (YTD)
- $2.5M
- Average total assets
- $1.59B
- Average total loans
- $1.34B
- Average interest-bearing deposits
- $1.15B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 15, 2006
- FDIC Cert
- 58310
- Fed RSSD
- 3470154
- SEC CIK
- 1809269 → filed by US METRO BANCORP
- Website
- http://WWW.USMETROBANK.COM →
- Parent Holding Company
- US METRO BANCORP (RSSD 5397219)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, US Metro Bank's total assets ran between $1.20B (Q3 2023) and $1.64B (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
$1.64B total assets against $1.45B; $1.48B total liabilities against $1.32B.
$1.35B net loans and leases against $1.21B; $1.44B total deposits against $1.28B.
$56.2M securities against $52.7M; $189.2M cash and balances due against $150.5M.
$24.2M total interest income against $21.8M; $10.5M total interest expense against $10.6M.
$13.7M net interest income against $11.3M.
$6.0M total noninterest income against $2.7M; $11.6M total noninterest expense against $9.2M.
$2.4M provision for credit losses against $600K.
$4.1M net income against $3.0M.
1.02% return on assets against 0.82%; 3.50% net interest margin against 3.18%.
12.35% CET1 capital ratio against 11.96%; 10.42% tier 1 leverage ratio against 9.81%.
Inside the full US Metro 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).
US Metro Bank rankings
Its closest position to the top of a national ranking is 133 of 980, for uninsured deposits; its furthest is 1,599 of 2,134, for CET1 ratio.
Metric pages for US Metro Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.60% (Q4 2024) to 1.03% (Q1 2026) and its net interest margin ran from 2.83% (Q3 2024) to 3.50% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.35% | 1.02% | 1.54% | 11.28% | 3.50% |
| Q1 2026 | 12.80% | 1.03% | 1.62% | 11.43% | 3.29% |
| Q4 2025 | 12.85% | 0.79% | 1.57% | 11.09% | 3.14% |
| Q3 2025 | 11.90% | 0.88% | 1.50% | 11.67% | 3.26% |
| Q2 2025 | 11.96% | 0.82% | 1.27% | 9.95% | 3.18% |
| Q1 2025 | 11.57% | 0.84% | 1.05% | 8.42% | 2.97% |
| Q4 2024 | 11.61% | 0.60% | 0.75% | 5.90% | 2.90% |
| Q3 2024 | 12.07% | 0.61% | 0.42% | 2.92% | 2.83% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| US Metro Bank (main office) | Garden Grove , CA | 92844 | $363.2M |
| Downtown La | Los Angeles , CA | 90021 | $210.9M |
| Fullerton Branch | Buena Park , CA | 90621 | $194.7M |
| Torrance Branch | Torrance , CA | 90505 | $148.7M |
| Olympic Branch | Los Angeles , CA | 90006 | $140.4M |
| Wilshire Branch | Los Angeles , CA | 90010 | $136.5M |
| Lynnwood Branch | Lynnwood , WA | 98037 | $124.4M |
| Anaheim Branch | Anaheim , CA | 92807 | $62.0M |
| Tacoma Branch | Lakewood , WA | 98499 | $56.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 72 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 124 loans, $251.8M approved, $2.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 US Metro Bank
What are US Metro Bank's total assets?
As of the Q2 2026 filing, US Metro Bank reported total assets of $1.64 billion in its FFIEC call report.
Where is US Metro Bank headquartered?
It is headquartered in Garden Grove, CA, United States.
When was US Metro Bank founded?
It was established in 2006, per the FDIC institution directory.
Is US Metro Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58310). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates US Metro Bank?
US Metro Bank's primary federal regulator is the FDIC.
What is US Metro Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.35% in its Q2 2026 call report, above regulatory requirements.
How many branches does US Metro Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is US Metro Bank's Texas Ratio?
Its Texas Ratio is 11.28% 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.
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