# METROPOLITAN BANK
CRYSTAL SPRINGS, MS · FDIC certificate 22346 · asset band $1-10B · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $1.22B | |
| Deposits | $943.3M | |
| Loans and leases | $989.6M | |
| Total equity | $103.8M | |
| Loans / deposits | 104.03% (p86 of band) | 89.72% |
| Liquid assets / assets | 12.86% (p16 of band) | |
| Uninsured deposits / deposits | 30.73% (p62 of band) | 25.51% |
| Brokered deposits | 22.64% | |
| Wholesale funding | 35.67% (p97 of band) | |
| FHLB advances / assets | 12.86% | |
| Tier 1 leverage | 8.38% (p11 of band) | 9.96% |
| Unrealized securities loss / equity | 0.11% (p55 of band) | 0.00% |
| AOCI / equity | 0.93% (p68 of band) | |
| ROA (annualized) | -0.63% (p0 of band) | 0.99% |
| Net interest margin | 3.27% (p33 of band) | 3.49% |
| Efficiency ratio | 129.80% (p100 of band) | |
| Noncurrent loans | 0.08% (p8 of band) | 0.54% |
| Net charge-offs (annualized) | 0.03% (p55 of band) | |
| Reserve coverage of noncurrent | 1016.05% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 135.20% (p99 of band) | |
| Auto loans | $491,000 (0.05% of loans; DQ 1.43%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 140 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | construction >100% equity |  |
| 2016-12 | 4 | loans exceed deposits |  |
| 2017-03 | 4 | capital falling | loans exceed deposits |
| 2017-06 | 7 | loans exceed deposits, losing money, expense ratio p90 |  |

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

- 2026-04-27 [Metropolitan Commercial Bank Appoints Tina L. Laurie as HUD Chief Underwriter - Business Wire](https://news.google.com/rss/articles/CBMizwFBVV95cUxQdUF4WnpMSWpXVGZJRElXaldQRnM2YnEzYXplZGVDWjBrVm5FSG9hc29pQno4dEF6Smk4SWtjd2p1VE5pX2VYUWdFdnhzMFg4ejlZdzNOV1BMTklIWFo2SmNZOVFlYi1VVm42bFhFVExYZUNnZ1ZXWnFhcDNDMW5oamxab2JNTkdraFNsZzRpTmRHTzM0Z0Z2cFBCN3ZTNl9yb0FYdDBPUWhUbC02aXVXOGc2M0VFX2xjU1NlZU9DQ0hNQ3Z2M24tQkd6MFo0SUE?oc=5) · Business Wire
- 2026-08-20 [Metropolitan Bank faces securities fraud probe after Q2 earnings miss and credit loss spike. - Pluang](https://news.google.com/rss/articles/CBMisgFBVV95cUxOX0JKMVRUNTh5M1haV25RdHhvNjRfaHpBaHlLMjYtMFpkcHgza0NjQzdSeUQwSUZCQld4UTJjdHRJb2F1TFgxT3V6UllHMzByRG1nZ3o1Y2ZKbmlUQzR0UGtTYmNhQVBpU19HZTQtUlh0NkEybXZSRU53RkYtdUxGMnFnY1dZMFZzREhrekRDbUcyS0tWVkVLeVBKeUp6ZVVDUm5ETGd2bzJhSTlaVkFyQldn?oc=5) · Pluang
- 2026-04-20 [Metropolitan Commercial Bank Expands Florida Presence, Adds Jessica Raffo as Director of Association Banking - Business Wire](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNQmlibmtTUV9RSlJjQTJKMExtOGh2a0poVjRaMmlZQW9MWlYxeFZXeFgxbVFhX2lfQmNMakJsTVpGS2s3eTBHbDExVDdTOVpqcUJCX3JMY2JRTjRwa0g3eWZCRkFCMVpRbjRlZDZsN3dzd0RibkZERHlielBSUHNvOTFyc3pBU2EzOEJlSzNGTVJ6S1pzRmxPbDV4WHVEZUFnQ1Y4MGZYaFNrNXJEallHZE9YX3FjdnJBczN6MXFwdzNWV0RsaWZpYnVmWlpqd0paM1B3Qkt4cDNaNUdQckEzbi0tSzdiMzZmU1FHWlp5ZDhDaTFTVTNN?oc=5) · Business Wire
- 2025-10-27 [Metropolitan Commercial Bank Names Emma Krentz as AI Scientist - citybiz](https://news.google.com/rss/articles/CBMiowFBVV95cUxOMWFKeVFEbmxMa2FrZnc2UTFZZ25YWjdBYmFMdGluZlc0U0RkV0QtNVhwVE1WSW1heG5qWmxnZGs0UDJHU19iRVRFTjNoaGlNNkpIVG1LdUJiYXV4WXdzRFBubGRsa0RLdVlHNEp6X3VnQTFyVlFLeV9VMHBlWTFaYVpyMVl3S3g0TkdJaERyOWszdzl6aFNSQXpsSktCbmJvSmNB?oc=5) · citybiz
- 2026-07-30 [Metropolitan Bank faces securities fraud probe after Q2 earnings miss and credit loss surge - Pluang](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPQ2FBQktuUUFBU3djUXZxWWZJWUlSNVBXeTlaWkJCQUxpYjZiWEFSTXlDdDFtUnQ2MEtVdlJaMDdkd3BBLWNGWG85MlNEcVcwSkdtSHVOV3FPdGw3eWxrTzFPNHlQaXJieWdTMUJpTGVnVVZDRTg1MHgwVU1MTk5nUlotcVBuc1c0eEI0NVd5QVNwN3hoZW9aWmNPMkc5anNQYmNzU1JyN3loUQ?oc=5) · Pluang
- 2026-07-30 [Marcos clears release of VP’s tax and bank records to impeachment court - BusinessWorld Online](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNVjFGeER2VnI5d0JBRTVlT3IzcGNwYU9FTHVkbGpWQnFqNFRyem5OaXlWUmltc0ZTV1VNR19OUkV2eFo3WndnVk92X1c5SGc0VnIwV3pTYW1xMmZBTzlsOXBjQi1tN2RtSVhacXJmdGlYU01LQjdUTUZaUGhsVnllTi04WDlWVkxLcGI2OHY0aGxFcUNBUGFfMGV4dS1yWDBLdjg3YmNoVTVWWVNCNzZ0dk5KNDRwMWdfMFotNGhURXlWV1U?oc=5) · BusinessWorld Online
- 2026-07-22 [Why Metropolitan Bank Stock Sank by Nearly 9% Today - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxOTVlnVEM3VHVQcy1hcjhBQXRoZUhpUVg1Yk9DMzNlZloxVmtsU0lMQnhhZ25RY2lHSXhGZXlIOFVyWGlkUlRhT0RUak16cFltay1WdE15TVdpZDVNeWVUM0NHTHllYThqbVFiVmVKN2NvYnI2cERvYUpzRFlpQWhDemdVOE52amx2clY1amhXelRpTzBnaDZ5NjdiN0pGUQ?oc=5) · Yahoo Finance
- 2026-08-11 [Metropolitan Bank Holding Corp. (MCB) Q2 2026 Earnings: EPS Falls Sharply Short of Expectations by 32.5% - Return On Equity - vinanet.vn](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPUFl1RHY5ZHF5QjE2WE9YRE9VTktWSFp4N29fOVVVSXVSa3pVc19XczZfWmVSblpFUjVzY3pUNnp2dTk0bTZpS1N3Mmt6eGNJUDVXTG9PVFVQNmE1cTV0dkZDMHhiVG5YZzNmcVVvRnUxRWlOUThEV1hsWnBtNXRKbmIyUDN3YTdwd2RWT21aTk1TRFBfN3p6YkVGbkFsaFRmSElpSUJQdmxwSTk1MW41VUVBVldtMDZiR0VndGZPRkxhNzZtQXA2eXlPdkJfVUNiZmtGcVh4bw?oc=5) · vinanet.vn

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22346 (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/10.json (key "22346", 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