Metro City Bank
Metro City Bank reported total assets of $4.5 bn at Q2 2026, up 23.7% on a year earlier, the 306th largest of 497 banks in our US coverage. The CET1 capital ratio at Metro City Bank was 17.14%, and the uninsured share of Metro City Bank was 32.79%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Metro City Bank climbed from 385th to 273rd among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Metro City Bank has taken over one institution; the latest was First IC Bank on (FDIC Call Reports).
- Metro City Bank has one of the highest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 111.54% at , against a median of 88.61% across 339 banks (FDIC Call Reports).
What sets Metro City Bank apart
How large is Metro City Bank?
The balance sheet of Metro City Bank at : assets $4.5 bn, deposits $3.5 bn, net loans $3.9 bn (loans equal to 111.54% of deposits). Securities make up 1.0% of total assets at Metro City Bank. Since , when Metro City Bank held $726.4 mn, its assets grew 514.8%. In the year to , deposits at Metro City Bank rose 29.5% while its total assets rose 23.7%. At , Metro City Bank employed 309 full-time equivalent staff across 27 offices, about $14.5 mn of assets per employee and $130.6 mn of deposits per office.
How much funding at Metro City Bank is uninsured?
At Metro City Bank, uninsured deposits (above the FDIC limit) made up 32.79% of domestic deposits at (+7.68 pp on a year earlier); Metro City Bank ranks 273rd of 500 on this measure. In dollars, Metro City Bank estimated $1.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.5 bn | +29.5% | 315th of 499 |
| Net loans and leases | $3.9 bn | +26.5% | 261st of 500 |
| Loan-to-deposit ratio | 111.54% | -2.64 pp | 19th of 500 |
| Tier 1 leverage ratio | 11.08% | -0.77 pp | 162nd of 500 |
| Total risk-based capital ratio | 18.04% | -2.63 pp | 68th of 448 |
| Net interest margin | 4.08% | +0.39 pp | 122nd of 500 |
| Return on assets (ROA) | 1.94% | +0.10 pp | 60th of 500 |
| Efficiency ratio | 40.33% | +2.53 pp | 62nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $3.0 mn | Narrowed by $508,000 | |
| Noncurrent loans to total loans | 0.44% | -0.02 pp | 166th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | -0.01 pp | 98th of 500 (1 = lowest) |
US rank of Metro City Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Metro City Bank: assets, deposits and loans
- Total assets $4.5bn
- Deposits $3.5bn
- Net loans $3.9bn
Capital and securities
The CET1 ratio of Metro City Bank stood at 17.14% in , -2.65 pp year on year. Low and high at Metro City Bank since : 13.75% () to 20.21% (). Equity capital of Metro City Bank at : $515.0 mn, or 11.5% of total assets. Metro City Bank also reported a total capital ratio of 18.04% for , and a tier 1 leverage ratio of 11.08%.
The available-for-sale portfolio of Metro City Bank showed an unrealized loss of $3.0 mn at ; the loss narrowed by $508,000 over the year.
Metro City Bank: capital ratios
- Total capital 18%
- CET1 17%
- Tier 1 leverage 11%
Metro City Bank: unrealized securities gains and losses
- Available for sale -$3mn
- Held to maturity $0
Profitability and loan quality
For the year to , Metro City Bank earned a return on equity of 17.77%; return on assets: 1.94%. Net interest margin at Metro City Bank: 4.08%, +0.39 pp in a year. Metro City Bank net income: $44.6 mn, up 34.2% year on year. The efficiency ratio of Metro City Bank was 40.33%: about 40 cents cost per revenue dollar, against 63 cents at the median peer.
At , noncurrent loans were 0.44% of total loans at Metro City Bank; net charge-offs: 0.01% of average loans. Gross loans and leases at Metro City Bank: $4.0 bn, up 26.6% in a year.
Metro City Bank: profitability
- Return on equity 18%
- Net interest margin 4.1%
- Return on assets 1.9%
Peer group of Metro City Bank
The peer group of Metro City Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Metro City Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Georgia. Against them, Metro City Bank shows CET1 ratio 17.14% against a peer median of 16.27%, return on equity 17.77% against a peer median of 11.54% and uninsured deposit share 32.79% against a peer median of 31.68%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First State Community Bank | State nonmember bank | MO | $4.5 bn | 14.35% | 14.93% | 22.97% | |
| Texas Exchange Bank | State nonmember bank | TX | $4.5 bn | 30.06% | 4.95% | 1.30% | |
| First Federal Bank | Federal savings bank | FL | $4.5 bn | 20.56% | 11.61% | 40.67% | |
| Metro City Bank | State nonmember bank | GA | $4.5 bn | 17.14% | 17.77% | 32.79% | |
| Arrow Bank | National bank | NY | $4.5 bn | 12.71% | 11.47% | 30.32% | |
| ChoiceOne Bank | State member bank | MI | $4.5 bn | 11.81% | 10.68% | 33.04% | |
| Capital City Bank | State member bank | FL | $4.4 bn | 18.18% | 12.85% | 47.83% | |
. FDIC Call Reports.
Last eight quarters
Two years at Metro City Bank, to : assets +25.5%, deposits +28.1%, equity +27.1%. Staff 238 to 309; offices 20 to 27.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.6 bn | $3.6 bn | $3.6 bn | $3.6 bn | $3.6 bn | $4.7 bn | $4.6 bn | $4.5 bn |
| Total deposits | $2.8 bn | $2.8 bn | $2.8 bn | $2.7 bn | $2.7 bn | $3.7 bn | $3.7 bn | $3.5 bn |
| Bank equity capital | $405.3 mn | $418.7 mn | $425.3 mn | $433.5 mn | $443.4 mn | $489.2 mn | $501.2 mn | $515.0 mn |
| CET1 ratio | 19.03% | 19.04% | 19.11% | 19.79% | 19.81% | 15.83% | 16.50% | 17.14% |
| Return on equity (ROE) | 16.30% | 16.15% | 15.49% | 15.60% | 15.66% | 15.55% | 18.08% | 17.77% |
| Uninsured share of domestic deposits | 23.57% | 24.13% | 24.27% | 25.11% | 26.11% | 29.63% | 31.59% | 32.79% |
| Full-time equivalent employees | 238 | 240 | 240 | 234 | 231 | 316 | 305 | 309 |
| Number of offices | 20 | 20 | 20 | 20 | 20 | 30 | 29 | 27 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Metro City Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed First IC Bank (FDIC certificate 34998).
Large one-quarter moves at Metro City Bank
- Total assets at Metro City Bank changed by +30.0% in the quarter to 2025-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from First IC Bank.
Questions and identifiers
What were the total assets of Metro City Bank?
Metro City Bank reported $4.5 bn at in its Call Report. That makes Metro City Bank the 306th largest of 497 banks in our US coverage.
Is Metro City Bank the same as its holding company?
No. This page covers Metro City Bank, FDIC certificate 58181; MetroCity Bankshares, Inc., its holding company, reports separately to the Federal Reserve.
Is Metro City Bank profitable?
Metro City Bank reported net income of $44.6 mn for the year to ; annualized return on equity: 17.77%. So yes: Metro City Bank made a profit over these months.
When is data for Metro City Bank next updated?
Figures from Metro City Bank for are due after .
Where can I check the figures for Metro City Bank?
In the FDIC BankFind Suite record for certificate 58181, and in the Call Reports of Metro City Bank (RSSD ID 3437456) at the FFIEC Central Data Repository.