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Metropolitan Capital Bank & Trust

Chicago, IL · Cert 57488 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=61-62)

FDIC · 1 branch

Q4 2025

$235.5MAssets
$136.6MLoans
$202.1MDeposits
$-1774KEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 89% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 7 of 62).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 62 of 62).
  • Overall: at or above the peer median on 1 of 8 directional measures.

Return on Assets

-7.35%

Rank 61 of 62

Net Interest Margin

4.33%

Rank 7 of 62

Efficiency Ratio

123.32%

Rank 57 of 62

Equity / Assets

-0.75%

Rank 62 of 62

Non-interest income vs. expense

$1.1M$15.6MINCOMEEXPENSE
Unfavorable gap of $14.5M · efficiency ratio beats 10% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 123.32%Peer median 73.1%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-7.35%0.33%0.77%1.07%Beats 2%61 / 62
Return on Equityn/aNot reported for this institution
Net Interest Margin4.33%2.86%3.31%3.81%Beats 89%7 / 62
Efficiency Ratio123.32%61.15%73.14%86.06%Beats 10%57 / 62
Asset Quality
Nonperforming Loans / Loans2.82%0.12%0.37%1.60%Beats 11%55 / 61
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio3.02%11.79%15.20%19.10%Beats 0%62 / 62
Total Risk-Based Capital Ratio4.32%12.20%15.53%19.86%Beats 0%62 / 62
Equity / Assets-0.75%8.90%11.71%14.82%Beats 0%62 / 62
Liquidity & Funding
Loans / Deposits67.62%67.31%84.88%93.55%26th pctl45 / 61
Loans / Assets58.03%55.77%70.25%76.85%28th pctl44 / 61
Brokered Deposits / Deposits21.99%n/an/a5.37%Beats 6%59 / 62