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Metropolitan Bank
Oakland, CA · FDIC Certificate #25869 · Chartered 09/0
Total assets
$230.24M
Total deposits
$194.67M
Total equity
$30.19M
Net loans
$185.15M
Branches (offices)
4
Net income (YTD)
$746.00K
Rank: #2,809 of 4,213 U.S. banks by assets · #99 of 115 in California. Assets changed -5.5% and deposits -4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.64% |
| Return on equity | 4.96% |
| Net interest margin (YTD) | 3.85% |
| Equity to assets | 13.11% |
| Tier 1 leverage ratio | 13.09% |
| Uninsured deposits (share of deposits) | 10.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 95.1% |
| Real estate loans (share of loans) | 98.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $182.04M | 98.3% | |
| Commercial & industrial | $5.64M | 3.0% | |
| Consumer / individual | $970.00K | 0.5% | |
| Construction & development | $5.99M | 3.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $230.45M | $189.62M | $1.07M | $24.77M |
| Jun 2023 | $219.18M | $179.63M | $1.11M | $26.68M |
| Jun 2024 | $235.03M | $192.11M | $471.00K | $27.29M |
| Jun 2025 | $243.68M | $204.04M | $716.00K | $29.18M |
| Jun 2026 | $230.24M | $194.67M | $746.00K | $30.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $194.67M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $194.67M.
Similar-sized banks
The First National Bank Of Anderson ($230.38M) · The First National Bank Of Manchester ($230.13M)
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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