# METROPOLITAN NATIONAL BANK
LITTLE ROCK, AR · FDIC certificate 20280 · asset band $300M-1B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $972.6M | |
| Deposits | $851.1M | |
| Loans and leases | $497.1M | |
| Total equity | $60.7M | |
| Loans / deposits | 56.19% (p15 of band) | 77.22% |
| Liquid assets / assets | 34.99% (p65 of band) | |
| Uninsured deposits / deposits | 9.85% (p19 of band) | 17.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.52% (p49 of band) | |
| FHLB advances / assets | 1.75% | |
| Tier 1 leverage | 6.80% (p4 of band) | 9.97% |
| Unrealized securities loss / equity | -12.89% (p6 of band) | -0.65% |
| AOCI / equity | -14.28% (p6 of band) | |
| ROA (annualized) | 0.47% (p21 of band) | 0.83% |
| Net interest margin | 3.43% (p41 of band) | 3.56% |
| Efficiency ratio | 89.61% (p91 of band) | |
| Noncurrent loans | 5.36% (p93 of band) | 1.31% |
| Net charge-offs (annualized) | -0.04% (p5 of band) | |
| Reserve coverage of noncurrent | 70.69% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 96.18% (p92 of band) | |
| Auto loans | $3.6M (0.73% of loans; DQ 0.64%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 401 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 9 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 8 |  | uninsured deposits leaving |
| 2012-09 | 8 |  |  |
| 2012-12 | 5 |  | construction >100% equity, deposits shrinking, assets shrinking |
| 2013-03 | 4 |  | losing money |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |

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

- 2013-07-05 [Metropolitan National Bank To Be Acquired, Recapitalized - Little Rock Public Radio](https://news.google.com/rss/articles/CBMiugFBVV95cUxNTE5jQUw2VzJiN21fYW91NklpRklDTWJLcDgzUGZvMUtWUDZ3cF9rQ2pzLUFFX1RTaVNkSktYcFdndmR2S3BvSHFmb0VtemN0dVRKZHRINkN1QTVnNEt0SjgzN1NyeGZxUnhsZVBTQUNIaDFpS2NTU25DQXNydGE4VUctVDg2bnV6bHNNNnZxOTRENzBLQXFRXzVyMng4MU14czA0U3p6al9xLUJPcEY4WDhKV3UxbkVKdnc?oc=5) · Little Rock Public Radio
- 2007-07-30 [Developer Terminella, Metropolitan Bank Face Off - Talk Business & Politics](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPS2FvZ1Y0T0Y1SUlUdDZXbEJMWjhRWEZxMFF4LXBWQWt1YlFCQ1Z4cTdGekJUX2lCaVNabEtQUjNpY20tSVNCWjZaX1EtbTg0UXRXYktTNkRzS3BKM1lBRVBzanBOc0NUZVBCVVlkSzA5OHFNZHNXN0xXa3FJeGVWS2ZkQjRNRXBT?oc=5) · Talk Business &amp; Politics
- 2014-02-03 [New Name in the Works for Metropolitan National Bank Tower - Arkansas Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxNY292U1dDN3M4WHB5bjV0UVc2QzF3Znc1bFpDU3EwUDlTWThsUVZ4SzEyYmZBOFNOdWlFU3p1M0xsOFRjQlhaV2RwRXN0UkhzLTduZk8wZU1OMUJuVGtEcWNuZUFtMnlkUFItWEE2TTg3RFhwbXRQNWFTSTZFdkFOSHY4ZjQxUkxEMmgwSlpaa3BhbTlJVkVUTFJFVlZhRThRU1E?oc=5) · Arkansas Business
- 2018-04-24 [Troubled Little Rock bank agrees to sale - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZEx2OGhMM1dKWVNVNTFBc2dYV0h4YUszbE9Kc01wNFNhak9OanBrMFpGTGpPU3ZVWDY2OVlseGRTTVhHc2RVY3ZzQmkwaEpZYkZaelZ1WXk2cmI4WUVrc0MwRTFER2JONDhoMk1FMm9XcE9qVnhpc1pMNlEycDl4d2sxS0M2WmYxa21hNU1YX1VVdw?oc=5) · The Arkansas Democrat-Gazette
- 2013-07-05 [Ford Financial to buy Metropolitan National Bank for $16 million - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMimgFBVV95cUxPMHRMYUxIRDJUd3prYW5pNEtsYW5VNTZ0RElFRUFsazktbHUzWUl0bXRJbDRCRnRwcGdpNjM3dW9oRWVYaGw3bUtHaldvendNaWFrY0FUUTlpZHRZREpOWE1LbHd3cXJleE9ocnZIV3VQN2REa3ZXOUlEU00zS3RMRUt4NGlTVkM1SmpCb1RWdjJnMUF3WlBCQVRR?oc=5) · Northwest Arkansas Democrat-Gazette
- 2019-06-23 [Advice 101: Former banker Lunsford Bridges - Talk Business & Politics](https://news.google.com/rss/articles/CBMigAFBVV95cUxOODRCczAySWlIT3ZlQ0xQbjZUMGhtMlVwaHVmTXVyTGRxNUY4NVV4cXVJSk8xUkVGZ0p2d0RIdzhEb2NPV3dsOENXa2pHeTM5dWQzenJRdThGQnU3Zzc0YjJVOW5jU3Zzc19zc3UwbEs3VDZyekpndnc1Vmxqal9jWA?oc=5) · Talk Business &amp; Politics
- 2013-07-14 [Metropolitan faces vital rally after sale - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMioAFBVV95cUxQbDJwNnV5dF9IazM2QWtIaWQ1VVRQOVNXWUpLei1HVVQ0SEVnSnRTcHJrNi0wdTNFdVpYeHVhMllKdHYxS0F1N0NwWTFIcHMxcU5CeWFFeS02MVc5ZGJ6aFdQZDhPMWNBWE1TR0RlcUlPR1JwZ3pWZUg4SjI1R05Va21QZjF0enNqb3dhZ0dGZGVtZmpJa2dWd3U1ZkRQTFNW?oc=5) · The Arkansas Democrat-Gazette
- 2013-09-09 [Simmons First Submits ‘Successful Bid’ for Metropolitan Bank - Arkansas Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxPY2p5dnFvVDF3bkZBbTVmSjZiTTNwbXM3aEk5R04wVUN2RFVzSl8xTkwzVWotalY5b0M0ZUVybnhOMGJ1eENnb1N0LTNHTTUtZHIwWlZla0czMUMyYXluV1UxcEZuQlB2Wl9kVExsYk1sT1UyNlR5THhrdTVNUFRnVkNlY2RCZmpLRlJGU2lJMDN1TTd1V2NVSFFJYnZ3OWRSM2c?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20280 (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/56.json (key "20280", 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