Metro City Bank
Doraville, GA · Cert 58181 · Peer group: banks $1B-$10B in assets (n=322-328) · Metrocity Bankshares Inc.
State charter, non-member · FDIC · 27 branches
Q2 2026
$4.5BAssets
$4.0BLoans
$3.5BDeposits
$515.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of banks $1B-$10B in assets (rank 22 of 328).
- Widest gap: nonperforming loans / loans trails 42% of banks $1B-$10B in assets (rank 135 of 322).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
2.00%
Rank 24 of 328
Net Interest Margin
3.93%
Rank 67 of 328
Efficiency Ratio
40.96%
Rank 22 of 328
Equity / Assets
11.53%
Rank 106 of 328
Non-interest income vs. expense
Unfavorable gap of $58.0M · efficiency ratio beats 94% 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 | 2.00% | 0.91% | 1.22% | 1.52% | Beats 93% | 24 / 328 | | |
| Return on Equity | 17.32% | 8.43% | 11.45% | 14.43% | Beats 89% | 36 / 328 | | |
| Net Interest Margin | 3.93% | 3.03% | 3.45% | 3.83% | Beats 80% | 67 / 328 | | |
| Efficiency Ratio | 40.96% | 51.61% | 59.56% | 67.53% | Beats 94% | 22 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.24% | 0.51% | 1.03% | Beats 58% | 135 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 77% | 76 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 17.14% | 11.75% | 13.15% | 15.47% | Beats 84% | 51 / 328 | | |
| Total Risk-Based Capital Ratio | 18.04% | 12.63% | 14.15% | 16.46% | Beats 84% | 52 / 328 | | |
| Equity / Assets | 11.53% | 9.15% | 10.33% | 12.01% | Beats 68% | 106 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 112.28% | 76.63% | 87.92% | 95.36% | 96th pctl | 14 / 323 | | |
| Loans / Assets | 88.69% | 65.18% | 74.15% | 79.98% | 97th pctl | 10 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |