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Metro Bank

Pell City, AL · Cert 27510

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=311 to 317). 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

78

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 2026-10-10

Metro Bank

Pell City, AL · Cert 27510

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.2BAssets
$594.2MLoans
$1.0BDeposits
$170.4MEquity
Loan mix
90%RE $531.3M6%C&I $36.3M3%Consumer $20.5MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $736.0M27%Noninterest $269.1MQ2 2025Q2 2026

NIM

4.77%Q2 ’245.02%Q2 ’254.80%Q2 ’26+5%-4%

Non-interest income vs. expense

1.89%Q2 ’241.88%Q2 ’251.94%Q2 ’26+1%+3%

Market Position · Birmingham, AL · 2026 SOD (annual) · 1.4% share · #13 of 49 inst. · $0.8B of $53.8B

56.1% St. Clair
51.4% Cleburne
5.4% Etowah
3.6% Talladega

Executive Summary

  • Earnings: ROA of 1.41%, down 17 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 1.18% of loans (+70 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 14.68%, up 27 bps from a year ago.
  • Funding: loans stand at 59.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-13 bps YoY

Efficiency Ratio (YTD, annualized)

50.98%+309 bps YoY

Tier 1 Leverage Ratio

14.68%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.62%1.57%1.17%1.41%-17 bps
Return on Equity11.81%11.94%11.55%8.43%10.08%-172 bps
Net Interest Margin3.49%3.49%3.49%3.26%3.36%-13 bps
Efficiency Ratio47.89%48.08%47.68%55.17%50.98%+309 bps
Non-Interest Burden1.45%1.45%1.43%1.61%1.49%+5 bps
Growth
Asset Growth (YoY)7.09%3.42%4.48%5.23%2.84%-425 bps
Loan Growth (YoY)7.85%7.95%5.95%4.99%1.86%-598 bps
Deposit Growth (YoY)7.72%3.53%3.75%4.74%2.02%-570 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.14%1.38%1.65%1.18%+70 bps
Net Charge-Offs / Loans0.16%0.22%0.17%0.07%0.18%+2 bps
Allowance / Loans1.24%1.13%1.20%1.21%1.15%-8 bps
Allowance Coverage of NPLs2.6x8.3x0.9x0.7x1.0x-1.6x
Capital
Tier 1 Leverage Ratio14.42%14.54%14.40%14.43%14.68%+27 bps
Total Risk-Based Capital14.42%14.54%14.40%14.43%14.68%+27 bps
Equity / Assets13.64%14.15%13.78%13.84%14.41%+78 bps
Liquidity & Funding
Loans / Deposits59.20%60.66%59.07%57.80%59.11%-9 bps
Liquid Assets / Assets39.41%37.19%38.92%40.02%39.00%-42 bps
CRE / Total Capitaln/a235%236%227%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 2026-10-10

Metro Bank

Pell City, AL · Cert 27510 · Peer group: banks $1B-$10B in assets (n=311-317)

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.2BAssets
$594.2MLoans
$1.0BDeposits
$170.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 91% of banks $1B-$10B in assets (rank 29 of 317).
  • Widest gap: nonperforming loans / loans trails 76% of banks $1B-$10B in assets (rank 236 of 311).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.42%

Rank 99 of 317

Net Interest Margin

3.36%

Rank 184 of 317

Efficiency Ratio

50.98%

Rank 71 of 317

Equity / Assets

14.41%

Rank 29 of 317

Non-interest income vs. expense

$5.3M$23.1MINCOMEEXPENSE
Unfavorable gap of $17.8M · efficiency ratio beats 78% of banks $1B-$10B in assets
Bank 50.98%Peer median 59.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.42%0.93%1.22%1.51%Beats 69%99 / 317
Return on Equity9.82%8.63%11.43%14.48%Beats 34%209 / 317
Net Interest Margin3.36%3.06%3.45%3.83%Beats 42%184 / 317
Efficiency Ratio50.98%51.90%59.69%67.53%Beats 78%71 / 317
Asset Quality
Nonperforming Loans / Loans1.18%0.24%0.51%1.14%Beats 24%236 / 311
Net Charge-Offs / Loans0.10%0.01%0.04%0.12%Beats 28%225 / 311
Capital
Tier 1 Capital Ratio14.68%11.75%13.15%15.30%Beats 69%98 / 317
Total Risk-Based Capital Ratio14.68%12.63%14.21%16.26%Beats 59%129 / 317
Equity / Assets14.41%9.06%10.32%11.95%Beats 91%29 / 317
Liquidity & Funding
Loans / Deposits59.11%76.63%88.04%95.67%7th pctl291 / 312
Loans / Assets50.24%65.41%74.05%79.71%8th pctl293 / 317
Brokered Deposits / Depositsn/aNot reported for this institution