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Metro Bank
Pell City, AL · FDIC Certificate #27510 · Chartered 05/3
Total assets
$1.18B
Total deposits
$1.01B
Total equity
$170.43M
Net loans
$587.31M
Branches (offices)
9
Net income (YTD)
$8.37M
Rank: #906 of 4,213 U.S. banks by assets · #14 of 93 in Alabama. Assets changed 2.8% and deposits 2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.41% |
| Return on equity | 10.08% |
| Net interest margin (YTD) | 3.50% |
| Equity to assets | 14.41% |
| Tier 1 leverage ratio | 14.68% |
| Uninsured deposits (share of deposits) | 37.0% |
| Noncurrent loans (share of loans) | 1.18% |
| Net charge-offs (share of loans) | 0.18% |
| Loans to deposits | 58.4% |
| Real estate loans (share of loans) | 90.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $531.85M | 90.6% | |
| Commercial & industrial | $39.03M | 6.6% | |
| Consumer / individual | $19.94M | 3.4% | |
| Construction & development | $100.44M | 17.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.02B | $893.51M | $6.18M | $127.30M |
| Jun 2023 | $1.02B | $875.20M | $8.72M | $138.50M |
| Jun 2024 | $1.07B | $914.60M | $7.75M | $150.98M |
| Jun 2025 | $1.15B | $985.25M | $8.97M | $156.79M |
| Jun 2026 | $1.18B | $1.01B | $8.37M | $170.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $1.01B | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.01B.
Similar-sized banks
Priorityone Bank ($1.18B) · Mid America Bank ($1.18B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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