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Metropolitan Bank

Oakland, CA · Cert 25869 · Met Financial Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

52

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

23

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Metropolitan Bank

Oakland, CA · Cert 25869 · Met Financial Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$230.2MAssets
$188.3MLoans
$194.7MDeposits
$30.2MEquity
Loan mix
97%RE $179.2M2%C&I $3.7M1%Consumer $1.2MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $171.0M12%Noninterest $23.7MQ3 2024Q2 2026

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #49 of 69 inst. · $0.2B of $513.2B

0.2% Alameda
0.0% San Francisco
0.0% Santa Clara

Executive Summary

  • Earnings: ROA of 0.64%, up 5 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.09%, up 108 bps from a year ago.
  • Funding: loans stand at 96.74% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.64%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+20 bps YoY

Efficiency Ratio (YTD, annualized)

76.80%+151 bps YoY

Tier 1 Leverage Ratio

13.09%+108 bps YoY

NIM

6.29%Q2 ’246.22%Q2 ’256.10%Q2 ’26+5%+6%

Non-interest income vs. expense

2.63%Q2 ’242.74%Q2 ’253.03%Q2 ’26-1%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.77%0.59%0.59%0.62%0.64%0.60%0.64%+5 bps
Return on Equity3.90%6.49%4.92%4.96%5.11%5.27%4.65%4.96%0 bps
Net Interest Margin3.26%3.32%3.48%3.46%3.53%3.65%3.64%3.66%+20 bps
Efficiency Ratio77.88%69.48%75.73%75.28%75.61%75.42%78.44%76.80%+151 bps
Non-Interest Burden2.53%2.18%2.58%2.56%2.62%2.70%2.81%2.75%+19 bps
Growth
Asset Growth (YoY)6.64%6.43%5.93%3.68%-0.50%-1.04%-4.69%-5.52%-919 bps
Loan Growth (YoY)6.09%6.18%4.09%-6.43%-2.80%-4.76%-7.14%-0.07%+635 bps
Deposit Growth (YoY)7.07%6.45%7.49%6.21%1.09%0.62%-2.32%-4.59%-1,080 bps
Asset Quality
Nonperforming Loans / Loans2.00%0.35%0.34%0.00%0.81%1.71%1.73%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%-0.03%0.00%0.00%0 bps
Allowance / Loans1.56%1.57%1.56%1.65%1.63%1.70%1.72%1.68%+3 bps
Allowance Coverage of NPLs0.8x4.5x4.5xn/a2.0x1.0x1.0xn/an/a
Capital
Tier 1 Leverage Ratio11.62%12.07%12.19%12.01%12.29%12.63%13.00%13.09%+108 bps
Total Risk-Based Capital11.62%12.07%12.19%12.01%12.29%12.63%13.00%13.09%+108 bps
Equity / Assets11.54%12.06%11.87%11.97%12.40%12.77%13.01%13.11%+114 bps
Liquidity & Funding
Loans / Deposits98.84%100.30%98.52%92.36%95.04%94.94%93.66%96.74%+437 bps
Liquid Assets / Assets12.52%7.38%9.71%14.88%13.15%14.87%15.01%9.99%-489 bps
CRE / Total Capitaln/an/an/an/a430%431%415%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Metropolitan Bank

Oakland, CA · Cert 25869 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Met Financial Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$230.2MAssets
$188.3MLoans
$194.7MDeposits
$30.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: return on equity trails 82% of banks under $1B in assets operating in a single state (rank 614 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.65%

Rank 585 of 746

Net Interest Margin

3.66%

Rank 380 of 746

Efficiency Ratio

76.80%

Rank 576 of 746

Equity / Assets

13.11%

Rank 183 of 746

Non-interest income vs. expense

$0.6M$7.0MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 23% of banks under $1B in assets operating in a single state
Bank 76.80%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.65%0.72%1.06%1.45%Beats 22%585 / 746
Return on Equity4.94%6.74%10.51%13.63%Beats 18%614 / 746
Net Interest Margin3.66%3.17%3.68%4.16%Beats 49%380 / 746
Efficiency Ratio76.80%55.74%64.58%75.47%Beats 23%576 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio13.09%11.55%13.75%17.60%Beats 43%427 / 746
Total Risk-Based Capital Ratio13.09%11.71%14.33%18.43%Beats 38%464 / 746
Equity / Assets13.11%8.90%10.51%13.06%Beats 75%183 / 746
Liquidity & Funding
Loans / Deposits96.74%61.31%78.27%90.78%86th pctl102 / 746
Loans / Assets81.79%53.60%66.97%76.08%89th pctl80 / 746
Brokered Deposits / Depositsn/aNot reported for this institution