Metro Bank
Pell City, AL · Cert 27510 · Peer group: banks $1B-$10B in assets (n=322-328)
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 28 of 328).
- Widest gap: nonperforming loans / loans trails 77% of banks $1B-$10B in assets (rank 250 of 322).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.42%
Rank 102 of 328
Net Interest Margin
3.36%
Rank 188 of 328
Efficiency Ratio
50.98%
Rank 76 of 328
Equity / Assets
14.41%
Rank 28 of 328
Non-interest income vs. expense
Unfavorable gap of $17.8M · efficiency ratio beats 77% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.42% | 0.91% | 1.22% | 1.52% | Beats 69% | 102 / 328 | | |
| Return on Equity | 9.82% | 8.43% | 11.45% | 14.43% | Beats 34% | 215 / 328 | | |
| Net Interest Margin | 3.36% | 3.03% | 3.45% | 3.83% | Beats 43% | 188 / 328 | | |
| Efficiency Ratio | 50.98% | 51.61% | 59.56% | 67.53% | Beats 77% | 76 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.18% | 0.24% | 0.51% | 1.03% | Beats 23% | 250 / 322 | | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.03% | 0.10% | Beats 27% | 237 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 14.68% | 11.75% | 13.15% | 15.47% | Beats 68% | 104 / 328 | | |
| Total Risk-Based Capital Ratio | 14.68% | 12.63% | 14.15% | 16.46% | Beats 59% | 136 / 328 | | |
| Equity / Assets | 14.41% | 9.15% | 10.33% | 12.01% | Beats 91% | 28 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.11% | 76.63% | 87.92% | 95.36% | 7th pctl | 301 / 323 | | |
| Loans / Assets | 50.24% | 65.18% | 74.15% | 79.98% | 8th pctl | 302 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |