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Metro City Bank
Doraville, GA · FDIC Certificate #58181 · Chartered 04/0
Total assets
$4.47B
Total deposits
$3.53B
Total equity
$515.00M
Net loans
$3.93B
Branches (offices)
27
Net income (YTD)
$44.59M
Rank: #309 of 4,213 U.S. banks by assets · #3 of 123 in Georgia. Assets changed 23.7% and deposits 29.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.94% |
| Return on equity | 17.77% |
| Net interest margin (YTD) | 4.08% |
| Equity to assets | 11.53% |
| Tier 1 leverage ratio | 11.08% |
| Uninsured deposits (share of deposits) | 32.8% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 111.5% |
| Real estate loans (share of loans) | 98.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.88B | 98.6% | |
| Commercial & industrial | $85.54M | 2.2% | |
| Consumer / individual | $94.00K | 0.0% | |
| Construction & development | $69.35M | 1.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.16B | $2.44B | $35.77M | $315.74M |
| Jun 2023 | $3.46B | $2.73B | $28.99M | $372.55M |
| Jun 2024 | $3.59B | $2.78B | $31.70M | $405.35M |
| Jun 2025 | $3.61B | $2.72B | $33.22M | $433.53M |
| Jun 2026 | $4.47B | $3.53B | $44.59M | $515.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $2.88B | 12 |
| Alabama | $185.68M | 2 |
| Texas | $150.52M | 4 |
| Virginia | $102.06M | 2 |
| New York | $84.43M | 2 |
| New Jersey | $61.20M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.53B.
Similar-sized banks
First Federal Bank ($4.49B) · Arrow Bank National Association ($4.46B)
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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