# METROBANK
BERWYN, IL · FDIC certificate 16641 · asset band $300M-1B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $621.6M | |
| Deposits | $587.2M | |
| Loans and leases | $397.9M | |
| Total equity | $21.1M | |
| Loans / deposits | 63.05% (p25 of band) | 74.76% |
| Liquid assets / assets | 28.83% (p45 of band) | |
| Uninsured deposits / deposits | 11.38% (p26 of band) | 16.74% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.32% (p24 of band) | |
| FHLB advances / assets | 0.40% | |
| Tier 1 leverage | 2.08% (p1 of band) | 9.77% |
| Unrealized securities loss / equity | 1.37% (p32 of band) | 2.98% |
| AOCI / equity | -0.71% (p26 of band) | |
| ROA (annualized) | -3.96% (p0 of band) | 0.80% |
| Net interest margin | 3.83% (p70 of band) | 3.52% |
| Efficiency ratio | 178.41% (p100 of band) | |
| Noncurrent loans | 22.32% (p100 of band) | 1.55% |
| Net charge-offs (annualized) | 2.46% (p99 of band) | |
| Reserve coverage of noncurrent | 31.17% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 61.63% (p78 of band) | |
| Auto loans | $71,000 (0.02% of loans; DQ 19.72%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -17.2% | |
| Employees | 188 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 9 | leverage <5%, capital falling |  |
| 2012-03 | 9 |  |  |
| 2012-06 | 10 | uninsured deposits leaving |  |
| 2012-09 | 10 | deposits shrinking, assets shrinking | capital falling, uninsured deposits leaving |
| 2012-12 | 10 |  |  |
| 2013-03 | 11 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-02 [Betty J. Ward Obituary Jan 5, 2018 - Van Hoe Funeral Home](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9NNU9QaFRIWEhhRTFFdEx6YjQ3Vmxaci1RQVhWY0ZnMHhobUg4c3duQ0kyVno5RDVRQlRmbHNidlk5WURCTmJscE95b24zUDVkRmxCNHc1dw?oc=5) · Van Hoe Funeral Home
- 2026-06-19 [US STOCKS-Wall St indexes advance with boost from chips, Iran optimism - Metrobank Wealth Insights](https://news.google.com/rss/articles/CBMitAFBVV95cUxQUHd1Y05Nd2p3LXM0U3dwbE1scWJzTDdhcWdFU1dHVi1MVEVGbDc2VHdSR2JjS3AxNFV1OVRTbEJtMkktT2l0YkhlYVVqdmNWSkFrWnJ5czJpblFCaV84ZEwxbklPdU5PVnpkQXlfdGlBLUpMLXFfOTNDSFd2emsyc1lDWGpXdW5WNl9PZFBHZkExRG95SFdHbFZMZEtjd0pGXzZQXzNmWDNLVXVyNktFZ2hLX1A?oc=5) · Metrobank Wealth Insights
- 2020-05-13 [David Lamb Obituary (1951 - 2020) - East Moline, IA - Quad-City Times - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQSlA5U1M3d2tRQ2NaTmRUeDJiMThOemM1eHhvME1NckVyMTVTdHdLTDJFQmZqdVlTS2FPWGxfYWNpLW9qOU9xTnFHb25DOC1MN3JRMWp1SjNtNURCcU5DZDgwbEZsTUxHdVpXVy1xTTRhRnYtQkkxY0FtN1JXYkZ2Qlphbk9ETmc?oc=5) · legacy.com
- 2024-07-21 [Marcos told to get real as he delivers address in his 3rd year - Metrobank Wealth Insights](https://news.google.com/rss/articles/CBMiugFBVV95cUxOVFlOVVFjQm5vclVQbEpYNnVHQmhlUmxDT2dRX3pESVFDb3c5ckJ5Z2d0OVJXaGhPYnphVjBZMmZzT3B4M2QwNHJITHpoandXWTctVVNILWkwNE1fWTdrS2szemcwcGhJMDdmN3VxRTZxVFhtQVhKWEdyVWdqZkFHUEtvbjYxUnNlYzBwd0R3dXlYYVpqZm9mclkwZDd5VW1kbjdNVHZnNEZnR1Z6bEtWUjJsdEtXclFCWFE?oc=5) · Metrobank Wealth Insights
- 2023-04-05 [LIST: Bank schedule Holy Week 2023, Araw ng Kagitingan - The Summit Express](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZ1BEU3AxUGRZbndDSmlKOU9FdmN4aUJSYUJ2bmw0VmRJVWtwWkc5c0UzTjhWZzNVMGdaNGFPOTVoelhyYWl1bEVZSExqZzB0VWJGcm90Z2dSMGt5REFmLUdPeXd3YmlLSHA5WXFJcnY4VGtCZzR0T2E5aVdmUXY0MndDVTVTem9GajQ3dE1Hc3FEalhiYk1hLWpXeVAwS0k?oc=5) · The Summit Express

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16641 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "16641", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide