City National Bank of Metropolis, The
Metropolis, IL · Cert 3814 · Peer group: banks under $1B in assets (n=581-629) · City National Bankcorp Inc.
National charter · OCC · 2 branches
Q2 2026
$444.4MAssets
$247.8MLoans
$343.9MDeposits
$47.5MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 83% of banks under $1B in assets (rank 108 of 629).
- Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets (rank 517 of 581).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.75%
Rank 431 of 629
Net Interest Margin
2.76%
Rank 533 of 629
Efficiency Ratio
68.01%
Rank 319 of 629
Equity / Assets
10.68%
Rank 312 of 629
Non-interest income vs. expense
Unfavorable gap of $8.2M · efficiency ratio beats 49% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.60% | 1.01% | 1.45% | Beats 31% | 431 / 629 | | |
| Return on Equity | 7.04% | 5.38% | 9.30% | 13.28% | Beats 33% | 421 / 629 | | |
| Net Interest Margin | 2.76% | 3.03% | 3.54% | 4.05% | Beats 15% | 533 / 629 | | |
| Efficiency Ratio | 68.01% | 58.35% | 67.79% | 79.08% | Beats 49% | 319 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.68% | 0.09% | 0.46% | 1.20% | Beats 16% | 488 / 581 | | |
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.06% | Beats 11% | 517 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 24.06% | 11.24% | 13.84% | 18.77% | Beats 83% | 108 / 629 | | |
| Total Risk-Based Capital Ratio | 25.17% | 11.58% | 14.43% | 19.66% | Beats 83% | 107 / 629 | | |
| Equity / Assets | 10.68% | 9.09% | 10.65% | 13.80% | Beats 50% | 312 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.05% | 67.24% | 80.90% | 93.48% | 34th pctl | 395 / 594 | | |
| Loans / Assets | 55.76% | 53.31% | 67.71% | 78.15% | 28th pctl | 455 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |