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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