Checked
Metro Bank
Pell City, AL · State-chartered bank (not a Fed member)
- Total assets
- $1.18B
- Q2 2026
- Deposits
- $1.01B
- Net income
- $8.37M
- first half of 2026
- Return on assets
- 1.41%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 27510
- Main office
- Pell City, AL
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 05/30/1989
- FDIC insured since
- 05/30/1989
- U.S. offices
- 9
- Employees (full-time equivalent)
- 159
- Specialty
- Commercial Lending Specialization
- Website
- www.metrobankpc.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.18B | $1.2B | $1.18B | $1.15B | $1.15B | $1.14B | $1.13B | $1.11B |
| Deposits | $1.01B | $1.02B | $1.01B | $979.7M | $985.2M | $977.1M | $970.8M | $946.3M |
| Net loans and leases | $587.3M | $584.3M | $587.8M | $587.6M | $576.1M | $555.8M | $553.9M | $544M |
| Securities | $396.7M | $383.8M | $389M | $388.6M | $387.5M | $387.8M | $382.9M | $379.9M |
| Equity capital | $170.4M | $165.6M | $162M | $162.7M | $156.8M | $152.1M | $147.2M | $156.8M |
| Net income (year to date) | $8.37M | $3.46M | $18.04M | $13.86M | $8.97M | $4.33M | $16.38M | $12.21M |
| Return on assets | 1.41% | 1.17% | 1.57% | 1.62% | 1.58% | 1.53% | 1.52% | 1.53% |
| Return on equity | 10.08% | 8.43% | 11.55% | 11.94% | 11.81% | 11.57% | 10.99% | 10.90% |
| Net interest margin | 3.50% | 3.36% | 3.65% | 3.66% | 3.59% | 3.54% | 3.53% | 3.50% |
| Efficiency ratio | 51.0% | 55.2% | 47.7% | 48.1% | 47.9% | 47.8% | 47.3% | 49.8% |
| Noncurrent loans | 1.19% | 1.67% | 1.40% | 0.14% | 0.48% | 0.69% | 0.79% | 0.59% |
| Net charge-off rate | 0.18% | 0.07% | 0.18% | 0.23% | 0.17% | 0.04% | 0.09% | 0.10% |
| Leverage (core capital) ratio | 14.68% | 14.43% | 14.40% | 14.54% | 14.42% | 13.99% | 13.70% | 14.88% |
| Total risk-based capital ratio | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Assets grew 2.8% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$531.9M90.6%
- Commercial and industrial loans$39.03M6.6%
- Consumer loans$19.94M3.4%
Find bank branches in Alabama · Employees: 159
Frequently asked questions
- What is Metro Bank's FDIC certificate number?
- Metro Bank's FDIC certificate number is 27510.
- How big is Metro Bank?
- Metro Bank reported total assets of $1.18B and deposits of $1.01B as of Q2 2026.
- Is Metro Bank FDIC insured?
- Yes. Metro Bank has been insured by the FDIC since 05/30/1989. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026