Bank call report · Garden Grove, CA
US Metro Bank Call Report
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US Metro Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 345 reported line items, schedule by schedule (729 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3470154 |
| FDIC certificate number | 58310 |
| Total assets | $1.64B |
Official Q2 2026 call report PDF (FFIEC) →
US Metro Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · US Metro Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.64B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.64B |
| Total Liabilities and Minority Interest | RCON2948 | $1.48B |
| Total Deposits | RCON2200 | $1.44B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.33B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.31B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.17B |
| Deposits: Noninterest-bearing | RCON6631 | $263.2M |
| Interest-bearing Balances | RCON0071 | $174.1M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $161.5M |
| Total Equity Capital | RCON3210 | $161.4M |
| Common Stock | RCON3230 | $75.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $67.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $56.2M |
| Loans and Leases Held for Sale | RCON5369 | $39.1M |
| Other Borrowed Money | RCON3190 | $25.0M |
| Surplus | RCON3839 | $23.5M |
| Other Assets | RCON2160 | $22.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $17.4M |
| Other Liabilities, Total | RCON2930 | $16.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $15.2M |
| Intangible Assets | RCON2143 | $9.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $6.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$5.3M |
| Other Real Estate Owned | RCON2150 | $3.4M |
| Minority Interest in Consolidated Subsidiaries and Similar Items | RCON3000 | $160K |
Schedule RI: Income Statement (38 items)
About Schedule RI · US Metro Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $46.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $42.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $32.6M |
| Net Interest Income | RIAD4074 | $26.2M |
| Total Noninterest Expense | RIAD4093 | $23.4M |
| Total Interest Expense | RIAD4073 | $20.5M |
| Salaries and Employee Benefits | RIAD4135 | $17.8M |
| Total Noninterest Income | RIAD4079 | $12.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $11.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $11.3M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $8.8M |
| Net Income (Loss) | RIAD4340 | $8.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $8.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $8.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $7.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $6.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $5.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $4.6M |
| Provision for Loan and Lease Losses | RIAD4230 | $4.0M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $4.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $3.8M |
| Other Noninterest Expense | RIAD4092 | $3.6M |
| Applicable Income Taxes | RIAD4302 | $3.3M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $2.9M |
| Net Servicing Fees | RIADB492 | $2.6M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.0M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.6M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $881K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $646K |
| Other Interest Income | RIAD4518 | $593K |
| Other Interest Expense | RIADGW44 | $460K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $381K |
| Other Noninterest Income | RIADB497 | $288K |
| Interest on Other Securities | RIAD4060 | $177K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $28K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $21K |
| Less: Net Income (Loss) Attributable to Noncontrolling (Minority) Interests | RIADG103 | -$4K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 204 |
Schedule RC-B: Securities (26 items)
About Schedule RC-B · US Metro Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $7.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $6.4M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $63.6M |
| Pledged Securities | RCON0416 | $30.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $29.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $26.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $17.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $15.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $15.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $11.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $10.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $6.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $5.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $5.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $5.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $5.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $2.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $2.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.2M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $1.1M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $1.1M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $1.0M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $1.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $996K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $491K |
Schedule RC-C, Part I: Loans and Leases (26 items)
About Schedule RC-C, Part I · US Metro Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.37B |
| Pledged Loans and Leases | RCONG378 | $821.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $631.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $579.0M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $304.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $252.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $220.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $216.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $175.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $125.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $115.9M |
| Commercial and Industrial Loans | RCON1766 | $95.9M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $58.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $58.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $54.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $36.1M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $31.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $21.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $18.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $12.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $12.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $5.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $3.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $1.3M |
| Other Loans | RCONJ464 | $282K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $95.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $38.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $1.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $731K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 261 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 157 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 39 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 21 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 10 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · US Metro Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.12B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.05B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $450.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $339.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $339.5M |
| Total Transaction Accounts | RCON2215 | $322.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $322.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $317.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $263.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $243.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $226.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $167.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $150.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $122.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $122.7M |
| Total Brokered Deposits | RCON2365 | $122.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $113.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $73.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $65.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $7.3M |
| Total reciprocal deposits | RCONJH83 | $6.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $423K |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $377K |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $377K |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $250K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $250K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $141K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $120K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $7.3M |
| Net Deferred Tax Assets | RCON2148 | $6.6M |
| Accrued Interest Receivable | RCONB556 | $6.3M |
| Other Assets | RCON2168 | $2.3M |
| Prepaid Expenses | RCON2166 | $741K |
| Accounts Receivable | RCONFT34 | $600K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $595K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $9.3M |
| All Other Liabilities | RCON2938 | $3.6M |
| Operating lease liabilities | RCONLB56 | $3.6M |
| Other Expenses Accrued and Unpaid | RCON3646 | $3.5M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $370K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · US Metro Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.59B |
| Quarterly Average of Total Loans | RCON3360 | $1.34B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $988.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $439.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $339.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $317.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $187.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $164.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $111.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $53.3M |
| Mortgage-backed Securities | RCONB559 | $37.6M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $25.0M |
| All Other Securities | RCONB560 | $18.9M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $5.4M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · US Metro Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Off-balance Sheet Liabilities | RCON3430 | $65.0M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $65.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $45.1M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $34.3M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $29.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $14.6M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $5.3M |
| Commercial and Similar Letters of Credit | RCON3411 | $25K |
Schedule RC-M: Memoranda (9 items)
About Schedule RC-M · US Metro Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $20.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $20.0M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $15.4M |
| Mortgage Servicing Assets | RCON3164 | $9.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $5.0M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $3.4M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.0M |
| All other intangible assets | RCONJF76 | $116K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (16 items)
About Schedule RC-N · US Metro Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $25.8M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $21.2M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $11.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $9.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $8.6M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $7.7M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $5.6M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $4.4M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $4.1M |
| Additions to Nonaccrual Assets | RCONC410 | $3.9M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $3.7M |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $2.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $980K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $934K |
| Loans and Leases Held for Sale | RCONC226 | $645K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $148K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (11 items)
About Schedule RC-O · US Metro Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.59B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.45B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $1.08B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $685.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $368.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $165.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 9,979 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,078 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 57 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · US Metro Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · US Metro Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.59B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.59B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.34B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $182.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $165.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $165.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $165.5M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $161.4M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $99.1M |
| Retained Earnings | RCOAKW00 | $67.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $16.8M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $16.8M |
| Tier 2 Capital Before Deductions | RCOAP870 | $16.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$5.3M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$5.3M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $1.2M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $1.1M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $116K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.136 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1235 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1235 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1042 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.056 |
Schedule RC-R, Part II: Risk-Weighted Assets (66 items)
About Schedule RC-R, Part II · US Metro Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $1.34B |
| Total Risk-weighted Assets | RCONG641 | $1.34B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.17B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.17B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.15B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.13B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.12B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $192.8M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $191.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $190.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $189.2M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $185.8M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $185.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $183.2M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $175.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $118.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $116.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $96.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $56.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $52.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $45.3M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $43.6M |
| Total All Other Assets | RCOND981 | $41.5M |
| Loans and Leases Held for Sale, All Other Exposures - 20 Pct Risk Weight Category | RCONS434 | $36.6M |
| Total Loans and Leases Held for Sale, All Other Exposures | RCONS431 | $36.6M |
| Unconditionally Cancellable Commitments | RCONS540 | $34.3M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $25.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $23.7M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$23.6M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $23.5M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $22.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $21.8M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $20.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $18.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $16.8M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $16.8M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $16.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $13.4M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $9.1M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $9.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $9.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $9.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $8.8M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $8.3M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $7.7M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$7.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $6.8M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $5.3M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $5.3M |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCOND993 | $4.7M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 20 Pct Risk Weight Category | RCONS452 | $4.4M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $3.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $2.6M |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCONG627 | $2.2M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS415 | $1.9M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $1.9M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $1.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $1.1M |
| Loans and Leases Held for Sale, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS429 | $645K |
| Total Loans and Leases Held for Sale, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS423 | $645K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $600K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $166K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 0% | RCONS527 | $126K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $25K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 100 Pct Risk Weight Category | RCONG611 | $5K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $5K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $161.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $156.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $156.2M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.8M |
| Other Comprehensive Income | RIADB511 | -$96K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · US Metro Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $2.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $1.6M |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $443K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $280K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $210K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · US Metro Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $17.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $15.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $2.5M |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.37B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $989.5M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $195.9M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $154.9M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $31.0M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $17.4M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $13.6M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $2.4M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $1.4M |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | -$150K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $59K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $773.3M |
| Total Assets of Consolidated Variable Interest Entities | RCONFT14 | $160K |
US Metro Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the US Metro Bank call report?
The US Metro Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does US Metro Bank file?
US Metro Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the US Metro Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: US Metro Bank has Federal Reserve RSSD ID 3470154 and FDIC certificate number 58310. Either one finds its filings on the FFIEC Central Data Repository.
How often does US Metro Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
US Metro Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 58310) · FFIEC NIC profile (RSSD 3470154)