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Metropolitan Commercial Bank
New York, NY · FDIC Certificate #34699 · Chartered 06/2
Total assets
$8.86B
Total deposits
$7.78B
Total equity
$967.21M
Net loans
$7.27B
Branches (offices)
11
Net income (YTD)
$53.22M
Rank: #183 of 4,213 U.S. banks by assets · #19 of 115 in New York. Assets changed 12.8% and deposits 13.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 12.09% |
| Net interest margin (YTD) | 4.20% |
| Equity to assets | 10.92% |
| Tier 1 leverage ratio | 11.07% |
| Uninsured deposits (share of deposits) | 27.2% |
| Noncurrent loans (share of loans) | 0.91% |
| Net charge-offs (share of loans) | 1.32% |
| Loans to deposits | 93.5% |
| Real estate loans (share of loans) | 89.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $6.49B | 89.3% | |
| Commercial & industrial | $830.77M | 11.4% | |
| Consumer / individual | $9.28M | 0.1% | |
| Construction & development | $481.93M | 6.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $6.87B | $6.20B | $43.44M | $585.24M |
| Jun 2023 | $6.52B | $5.32B | $43.19M | $623.73M |
| Jun 2024 | $7.26B | $6.21B | $35.24M | $696.59M |
| Jun 2025 | $7.85B | $6.83B | $38.13M | $727.71M |
| Jun 2026 | $8.86B | $7.78B | $53.22M | $967.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $7.69B | 8 |
| Florida | $60.02M | 2 |
| New Jersey | $20.87M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $7.78B.
Similar-sized banks
B1Bank ($8.89B) · Salem Five Cents Savings Bank ($8.82B)
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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