Bank Failure
Metropolitan Capital B&T
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Closed January 30, 2026 · Chicago, IL · FDIC Cert #57488.
- Closing date
- January 30, 2026
- Headquarters
- Chicago, IL
- FDIC Certificate
- 57488
- Total assets at closing
- $261.2M
- Total deposits at closing
- $212.2M
- Estimated loss to the insurance fund
- $19.6M
- Insurance fund
- Deposit Insurance Fund (DIF)
- Resolution
- Failure (closed by regulators)
- Acquirer
- First Independence Bank
Context
On January 30, 2026, regulators closed Metropolitan Capital B&T, headquartered in Chicago, IL. At closing, the institution held approximately $261.2M in assets and $212.2M in deposits. The FDIC record names First Independence Bank as the acquiring institution in the resolution. The estimated cost to the Deposit Insurance Fund (DIF) was approximately $19.6M.
By assets at closing this is the 621st largest of the 3,526 bank failures in the FDIC record, and the 3rd of 6 in 2026. It falls in the period the record labels Regional Banking Stress (2023-present), a period with 15 failures peaking at 6 in 2026.
Source: FDIC Failed Banks list. Asset and deposit values reflect the most recent regulatory filing prior to closing.
Common questions
When did Metropolitan Capital B&T fail?
Metropolitan Capital B&T was closed by regulators on January 30, 2026.
Who acquired Metropolitan Capital B&T?
The FDIC record names First Independence Bank as the acquiring institution in the resolution of Metropolitan Capital B&T.
How big was Metropolitan Capital B&T when it failed?
Metropolitan Capital B&T had approximately $261.2M in total assets and $212.2M in deposits at the time of failure.
Other failures in 2026
| Date | Bank | Assets |
|---|---|---|
| Sep 25, 2026 | Nano Banc | $736.2M |
| Aug 21, 2026 | Tioga-Franklin Savings Bank | $68.4M |
| Jul 17, 2026 | Small Business Bank | $72.9M |
| Jul 10, 2026 | Kentland FS&LA | $3.8M |
| May 1, 2026 | Community Bank and Trust - West Georgia | $305.7M |
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