# METROPOLITAN NATIONAL BANK
SPRINGFIELD, MO · FDIC certificate 24311 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $455.9M | |
| Deposits | $394.5M | |
| Loans and leases | $364.8M | |
| Total equity | $53.0M | |
| Loans / deposits | 92.32% (p71 of band) | 82.78% |
| Liquid assets / assets | 10.56% (p8 of band) | |
| Uninsured deposits / deposits | 16.83% (p36 of band) | 20.30% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.32% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.30% (p8 of band) | 10.05% |
| Unrealized securities loss / equity | -0.36% (p22 of band) | 0.46% |
| AOCI / equity | -0.09% (p59 of band) | |
| ROA (annualized) | 0.23% (p6 of band) | 0.91% |
| Net interest margin | 1.39% (p1 of band) | 3.59% |
| Efficiency ratio | 62.19% (p30 of band) | |
| Noncurrent loans | 0.58% (p42 of band) | 0.71% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 29.12% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 35.59% (p50 of band) | |
| Auto loans | $2.0M (0.56% of loans; DQ 0.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 149 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 3 | charge-offs p90 |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 5 | noncurrent p90 | deposits shrinking |
| 2012-09 | 5 | expense ratio p90 | uninsured deposits leaving |
| 2012-12 | 3 |  | assets shrinking, noncurrent p90 |
| 2013-03 | 4 | charge-offs p90 |  |
| 2013-06 | 2 |  | losing money, charge-offs p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | NIM <2.5%, reserve under noncurrent | expense ratio p90 |

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

- 2015-11-18 [Metropolitan National Bank helps say "Happy Birthday" - Springfield News-Leader](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQcW12bFpqVjRLNDFRWnYwRnZBVGNyMkdZM3lqSXVVNnhCckxWYXBIV050V3c2QjZmc1dfSDlESkN4TExwYkE1eEtmcEZZWVNoVlUxdzQzV0VSbmw2ZkkxazZ5WnBDeXAxYUZnNkwySzJMOGNYR0pyRHB3ekZGamJDVHN5WXZRVDluWkxjQWhPYjB5aWRoQTU2eDJYOHNvM1hJdC1KWlE2cm52STQzMDJtb1Nlak1XMm1zenBwTmJjTDhfQQ?oc=5) · Springfield News-Leader
- 2016-05-09 [Despite Individual Victories, Progress Slow For Women in Arkansas Banking - Arkansas Business](https://news.google.com/rss/articles/CBMitAFBVV95cUxPUXIzcXdWOUVxYTZicWhHdEZRdFcxU2hRS0tXaEstZjN0R2VUX0dLME1NUWdqZVRvSFdWNkRrbl8tN3htLVpLcHBYR0p2dHYtYjVvNW1PRUtfZ0FGc0E4MUJpdWp1X1QtNEE1ZUN1RGtZZ2dQOTJHVENfNEhFMWZWczE4OVlCNDM3UVZJSW9XN2RJUjExQmp0aWQwWVZLN1dXcndVTjVyLVpxTk9aWnBTMmhkT2M?oc=5) · Arkansas Business
- 2014-06-27 [Bank takes ownership of Stafford Theatre - Branson Tri-Lakes News](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdGZoX2JNb1lEWVdqZjYtUEJGbEh1WnV5LUw0TEJpaUQyODB6YW5WUm1SMDRyWXozX1lOQ3FNbWhELU55a2FzTjdxWnI5eDMwX1NOQndXYkNMUEJKVnloZHcyLThtVFhEZFBxWEVZeWRqckVVYVVndmlOeWc2ZkRIem1oSzZfWDJfamF5X2RLYXpCNjdJeFlfOUhpMA?oc=5) · Branson Tri-Lakes News
- 2019-05-14 [Larry Alan Wilkerson - Fraker Funeral Home, Inc.](https://news.google.com/rss/articles/CBMiY0FVX3lxTE05cWhtZ1BCbUU2cjFyZHJ2eVBtQmZTaEhXWDI4d3h0VFU1ZERmVnFxQ3FqcFV3UGttVEtsRDZOTFlOaldrajgzRUZ6eWp1ZXdwRnFOVDNDWkRtUFJKZHdWQTZXQQ?oc=5) · Fraker Funeral Home, Inc.
- 2015-01-23 [Awards & Achievers: Gold Mountain, Metropolitan National Bank - Springfield News-Leader](https://news.google.com/rss/articles/CBMixAFBVV95cUxOWXVRZWZnYkdQakpvcjJKd0ZQZktsLVRfODVaOEgyN2ZZZlptWVVGQTVmZ2YyOGUwQ2ZndlVweFo0Q1dHQUM5LXRMaEtjOHlhbmlaVC1BZUpSXzVIQXhNcWdIcTV5eFcyXzBIQWdWdGJON2lGYVFwX0tyQ05ndFJiVWNnNngteVJxX2gwMVg4ZEU0Y3UyMVpUZDBveFpVVFppb0VvRnAxTmdtZ3RpVDdubFFaazZPRER5OWh1eUY5a1FGb29s?oc=5) · Springfield News-Leader
- 2024-01-18 [John Foley - Arkansas Business](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5sdkRiZ2JxbHNDS1pTdFJTWEttVTZwNE11YTQ1SVp4V0ctQVc0TkotZlJHeVpQdldfT2ljNzh3MjhxQXVwYXdXdGNvZmRQaVpESmQyck1tZFBvWWlsMEpfRg?oc=5) · Arkansas Business
- 2015-05-01 [Metropolitan National Bank welcomes senior vice president - Springfield News-Leader](https://news.google.com/rss/articles/CBMixAFBVV95cUxPVXRrZ2ZFb1oxYUdfMHgxQUI4anltOFlvWUlHc01HMEpCWDhVQ1Y2Zl9ZemxPUXF5Q0ZjMTRNUkIweURlSU9SWGFyQy1iX2xMaEJDMU1qUDM0ZHQ4cDloMm5hNGxFNmFrRk1iUHdGNUpmcktUbGdhYkdCQnJPb0NTdkRucjhYSE9ta1RoR1poZU5iY2FTa1RQOVVLbUpyb2hMT1hHdWhfVXRjbDFoUC1fZnVhQ2FRZTZoTHoxaTN0QUZiVFBR?oc=5) · Springfield News-Leader
- 2017-08-23 [$391 million deal will combine two banks with Springfield presence - Springfield News-Leader](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOYUs4a2VpbEgySWZBX3RxLVdGYWZVdGlwdEhnVFpnNG5veEh1UkFiaE9SQ0k2Q1l5ZVdmR0E3aW9VWkJnZ2R5MVJ3WllOVHNQdmNHMFJITUJwUVhlQkhCa2t4OHVnT2xTTGZNQmJqcS1JVmpLbmNKTzA0Y1pjVFdjem5hYzh6SVdCWlZzLXpIdlU4SmgyVGpjRDBWT29hWk1YT2hWdkJKNXJYOTQtYS1VWkhjcy1EUkdxN2pSQmFRbGFBRk0?oc=5) · Springfield News-Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24311 (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/55.json (key "24311", 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