Metropolitan Commercial Bank
Metropolitan Commercial Bank reported total assets of $8.9 bn at Q2 2026, up 12.8% on a year earlier, the 181st largest of 497 banks in our US coverage. The CET1 capital ratio at Metropolitan Commercial Bank was 12.91%, and the uninsured share of Metropolitan Commercial Bank was 27.21%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Metropolitan Commercial Bank climbed from 444th to 241st among 448 US banks between and (1 = highest; FDIC Call Reports).
- Metropolitan Commercial Bank has one of the highest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 1.32% at , against a median of 0.06% across 339 banks (FDIC Call Reports).
What sets Metropolitan Commercial Bank apart
How large is Metropolitan Commercial Bank?
The balance sheet of Metropolitan Commercial Bank at : assets $8.9 bn, deposits $7.8 bn, net loans $7.3 bn (loans equal to 93.46% of deposits). Securities make up 12.3% of total assets at Metropolitan Commercial Bank. Since , when Metropolitan Commercial Bank held $1.1 bn, its assets grew 728.1%. In the year to , deposits at Metropolitan Commercial Bank rose 13.9% while its total assets rose 12.8%. At , Metropolitan Commercial Bank employed 348 full-time equivalent staff across 11 offices, about $25.5 mn of assets per employee and $706.9 mn of deposits per office.
How much funding at Metropolitan Commercial Bank is uninsured?
At Metropolitan Commercial Bank, uninsured deposits (above the FDIC limit) made up 27.21% of domestic deposits at (+1.50 pp on a year earlier); Metropolitan Commercial Bank ranks 348th of 500 on this measure. In dollars, Metropolitan Commercial Bank estimated $2.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $7.8 bn | +13.9% | 169th of 499 |
| Net loans and leases | $7.3 bn | +11.1% | 152nd of 500 |
| Loan-to-deposit ratio | 93.46% | -2.34 pp | 141st of 500 |
| Tier 1 leverage ratio | 11.07% | +1.29 pp | 163rd of 500 |
| Total risk-based capital ratio | 13.73% | +1.78 pp | 279th of 448 |
| Net interest margin | 4.20% | +0.37 pp | 101st of 500 |
| Return on assets (ROA) | 1.23% | +0.23 pp | 291st of 500 |
| Efficiency ratio | 52.19% | -3.56 pp | 174th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $45.6 mn | Narrowed by $5.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $60.3 mn | Narrowed by $2.3 mn | |
| Noncurrent loans to total loans | 0.91% | +0.31 pp | 342nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 1.32% | +1.32 pp | 476th of 500 (1 = lowest) |
US rank of Metropolitan Commercial Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Metropolitan Commercial Bank: assets, deposits and loans
- Total assets $8.9bn
- Deposits $7.8bn
- Net loans $7.3bn
Capital and securities
The CET1 ratio of Metropolitan Commercial Bank stood at 12.91% in , +2.04 pp year on year. Low and high at Metropolitan Commercial Bank since : 9.62% () to 18.36% (). Equity capital of Metropolitan Commercial Bank at : $967.2 mn, or 10.9% of total assets. Metropolitan Commercial Bank also reported a total capital ratio of 13.73% for , and a tier 1 leverage ratio of 11.07%.
On held-to-maturity securities, Metropolitan Commercial Bank carried an unrealized loss of $45.6 mn at , equal to 4.7% of equity capital. The loss narrowed by $5.6 mn over the year. Its deepest point: $82.6 mn in . The available-for-sale portfolio of Metropolitan Commercial Bank showed an unrealized loss of $60.3 mn at ; the loss narrowed by $2.3 mn over the year.
Metropolitan Commercial Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 11%
Metropolitan Commercial Bank: unrealized securities gains and losses
- Available for sale -$60mn
- Held to maturity -$46mn
Profitability and loan quality
For the year to , Metropolitan Commercial Bank earned a return on equity of 12.09%; return on assets: 1.23%. Net interest margin at Metropolitan Commercial Bank: 4.20%, +0.37 pp in a year. Metropolitan Commercial Bank net income: $53.2 mn, up 39.6% year on year. The efficiency ratio of Metropolitan Commercial Bank was 52.19%: about 52 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.91% of total loans at Metropolitan Commercial Bank; net charge-offs: 1.32% of average loans. Gross loans and leases at Metropolitan Commercial Bank: $7.3 bn, up 10.8% in a year.
Metropolitan Commercial Bank: profitability
- Return on equity 12%
- Net interest margin 4.2%
- Return on assets 1.2%
Peer group of Metropolitan Commercial Bank
The peer group of Metropolitan Commercial Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Metropolitan Commercial Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in New York. Against them, Metropolitan Commercial Bank shows CET1 ratio 12.91% against a peer median of 12.77%, return on equity 12.09% against a peer median of 12.66% and uninsured deposit share 27.21% against a peer median of 25.81%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| American Savings Bank | National bank | HI | $9.0 bn | 13.49% | 16.36% | 23.32% | |
| Woodforest National Bank | National bank | TX | $9.0 bn | 11.27% | 24.22% | 28.30% | |
| b1BANK | State nonmember bank | LA | $8.9 bn | 12.33% | 10.30% | 46.68% | |
| Metropolitan Commercial Bank | State member bank | NY | $8.9 bn | 12.91% | 12.09% | 27.21% | |
| Salem Five Cents Savings Bank | State nonmember bank | MA | $8.8 bn | 13.21% | 8.41% | 18.29% | |
| Tompkins Bank & Trust | State nonmember bank | NY | $8.8 bn | 11.91% | 15.03% | 41.31% | |
| Wells Fargo National Bank West | National bank | NV | $8.8 bn | 64.87% | 5.30% | 1.55% | |
. FDIC Call Reports.
Last eight quarters
Two years at Metropolitan Commercial Bank, to : assets +19.7%, deposits +23.1%, equity +34.7%. Staff 290 to 348; offices 8 to 11.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.4 bn | $7.3 bn | $7.6 bn | $7.9 bn | $8.2 bn | $8.3 bn | $8.8 bn | $8.9 bn |
| Total deposits | $6.3 bn | $6.0 bn | $6.5 bn | $6.8 bn | $7.1 bn | $7.4 bn | $7.8 bn | $7.8 bn |
| Bank equity capital | $718.1 mn | $731.7 mn | $710.7 mn | $727.7 mn | $719.6 mn | $726.7 mn | $946.4 mn | $967.2 mn |
| CET1 ratio | 11.93% | 11.97% | 11.05% | 10.87% | 10.45% | 10.49% | 13.13% | 12.91% |
| Return on equity (ROE) | 9.42% | 10.22% | 10.00% | 10.54% | 8.56% | 10.57% | 15.60% | 12.09% |
| Uninsured share of domestic deposits | 24.95% | 26.42% | 26.25% | 25.71% | 25.50% | 26.70% | 25.40% | 27.21% |
| Full-time equivalent employees | 290 | 292 | 290 | 300 | 314 | 327 | 335 | 348 |
| Number of offices | 8 | 8 | 8 | 8 | 8 | 9 | 10 | 11 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Metropolitan Commercial Bank
- Total assets at Metropolitan Commercial Bank changed by +25.2% in the quarter to 2017-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Metropolitan Commercial Bank?
Metropolitan Commercial Bank reported $8.9 bn at in its Call Report. That makes Metropolitan Commercial Bank the 181st largest of 497 banks in our US coverage.
Is Metropolitan Commercial Bank the same as its holding company?
No. This page covers Metropolitan Commercial Bank, FDIC certificate 34699; Metropolitan Bank Holding Corp., its holding company, reports separately to the Federal Reserve.
Is Metropolitan Commercial Bank profitable?
Metropolitan Commercial Bank reported net income of $53.2 mn for the year to ; annualized return on equity: 12.09%. So yes: Metropolitan Commercial Bank made a profit over these months.
When is data for Metropolitan Commercial Bank next updated?
Figures from Metropolitan Commercial Bank for are due after .
Where can I check the figures for Metropolitan Commercial Bank?
In the FDIC BankFind Suite record for certificate 34699, and in the Call Reports of Metropolitan Commercial Bank (RSSD ID 2705895) at the FFIEC Central Data Repository.