# METROPOLITAN BANK
OAKLAND, CA · FDIC certificate 25869 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $230.2M | |
| Deposits | $194.7M | |
| Loans and leases | $188.3M | |
| Total equity | $30.2M | |
| Loans / deposits | 95.11% (p87 of band) | 73.59% |
| Liquid assets / assets | 14.35% (p10 of band) | |
| Uninsured deposits / deposits | 10.30% (p15 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.87% (p53 of band) | |
| FHLB advances / assets | 0.87% | |
| Tier 1 leverage | 13.09% (p64 of band) | 11.76% |
| Unrealized securities loss / equity | -0.24% (p87 of band) | -6.57% |
| AOCI / equity | -0.03% (p69 of band) | |
| ROA (annualized) | 0.64% (p22 of band) | 1.17% |
| Net interest margin | 3.85% (p46 of band) | 3.93% |
| Efficiency ratio | 76.80% (p73 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 97% | |
| Construction % of loans | 19.85% (p53 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.6% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | noncurrent p90 |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking | charge-offs p90, losing money, noncurrent p90 |
| 2012-06 | 4 | charge-offs p90 |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 5 | noncurrent p90 |  |
| 2013-03 | 2 |  | deposits shrinking, assets shrinking, noncurrent p90 |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | deposits shrinking |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | deposits shrinking |
| 2020-12 | 2 | loans exceed deposits, capital falling |  |
| 2021-03 | 0 |  | loans exceed deposits, capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | loans exceed deposits, capital falling |  |
| 2021-12 | 0 |  | loans exceed deposits, capital falling |
| 2022-03 | 1 | loans exceed deposits |  |
| 2022-06 | 1 | capital falling | loans exceed deposits |
| 2022-09 | 1 | loans exceed deposits | capital falling |
| 2022-12 | 0 |  | loans exceed deposits |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 | loans exceed deposits | uninsured deposits leaving |
| 2024-06 | 3 | capital falling, reserve under noncurrent |  |
| 2024-09 | 2 |  | loans exceed deposits |
| 2024-12 | 0 |  | capital falling, reserve under noncurrent |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 | assets shrinking | reserve under noncurrent |

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

- 2026-02-02 [TMP Stock Price and Chart — AMEX:TMP - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5Mc0h2NlJ0azhUOUwyZ1JOUGhkczFLYnktemhCbTFCdENiazFBa2dDZVJIdVpyUkhTcXhkVzdkLW5mUm1SeGRsQ1lyVlI0d1BSR3R4X3paVnU?oc=5) · TradingView
- 2026-07-24 [Is Metropolitan Bank (MCB) Rebalancing Between Growth and Payouts With Its Higher Dividend? - Yahoo Finance](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPY21wenlYSm95WGRkS0ptUS11YUxyUWNuZ3FtUGpHQldkcE5XQi1HaHZQMWJCdXZZSkZsVkZYc0VLSl9mVndwM2dnZHI2U3lvbi1UVi05WkZGdDRFV3ZOZHlJUHpTdmFyUmFabEIwd0JNcUdtRVU4ZXZBblJmWDJ4UUNqQUFvT0p3TmIxMm8yNTV3eUdXaER2X0libXY4S0IwR3h0WWpfZHFSdw?oc=5) · Yahoo Finance
- 2023-01-09 [Metropolitan Commercial Bank is closing down its crypto business - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxPMUNnWml0UnhyOXYtMGY4eTgybzFqeXBBbm1PQVd0QnhJUGhYNTZoSThoNF96S2FPaEpUUENjMkJXOWRkT2JUdTBMSWlJTE5YdzlzanY2THY3eVJuY21wOUNRU0pLWUVZVjlwazBfSDVlYWN3OVhvd1Y0ZWg1cmw5VlVSSFJYTVVqYzZLbGZHeDJaVWh3QlctLUREZTdVN0ZZV0E?oc=5) · American Banker
- 2026-07-22 [Why Metropolitan Bank Stock Sank by Nearly 9% Today - The Motley Fool](https://news.google.com/rss/articles/CBMimAFBVV95cUxPdkw1SnlfTHZHeDYtZWlheDNfQjhPeXkzaVZkeDZYdU1NRHZ6VTBhUlFXOTRzektXSEZEWGNsNG5QazhnQ0hrQ0ZfcWFoYk55ZDZmSkpidkxjeGlVQnMzaVBUUzVuc2g4RTlmZTVDMTNvbTJ1a2lfeGROMFlHU29LMlptaXZOTTRoVVNXdEMyeklybjlIMUY0Zg?oc=5) · The Motley Fool
- 2023-04-20 [Metropolitan Commercial Bank Is Almost Done Exiting Crypto Business - CoinDesk](https://news.google.com/rss/articles/CBMinAFBVV95cUxQeVg1eHJwYjZSamlCRy0yZzc1QUVpelZpRDI4QjQ4Y0dKQVdOTV8yR1RSQ2JxTHlCOElmQ3FYcGp1T2RKc3pyZzMzYW9KREhOY2hPR0tNd1pPOXNWRXlaMjFfbl80TDdVSTFlbmJ3eFREbEhOVV9ISVdFNUdweXBRMXZIRjNRbHN0dlVEeW0yaHV2STEtRjFrRU13dTM?oc=5) · CoinDesk
- 2026-02-02 [Chicago’s Metropolitan Capital Bank becomes first US bank failure of 2026 - Chicago Tribune](https://news.google.com/rss/articles/CBMiggFBVV95cUxQam96RlZVY0tzN2NHNmtoT2lyNVdlQzFqTGNGbkwxRThMYW9rUVlHRE9BMTlxZlpidi1NVWQ5cWJsUTBMOXpCWGUwS2JHdVBIMnhHT0RmT0I1cTZ1TWhHYnd1YUI5YXZaNnpSc3JSdHBvcHNfLXRhTDRCYklkR3dQcXh3?oc=5) · Chicago Tribune
- 2026-01-02 [Historic Norval bank building eyed for heritage designation - Halton Hills News](https://news.google.com/rss/articles/CBMisAFBVV95cUxQYWdOVUtNNlVfZEUwZ2hieVJjOVBWaGtNS0xSRWtMNEZNYmk0YVdIeW56WmZqRDVIdDNuSkdQc0ZkckJCRGlBeC12ak5CRXl6ZXYzdFcxZk5wR0x0Q3pJUmFPb01fVXJaVTUzbm5oWjdkNXJXd1NJYVdPSC1WU0Jzd25pSHBmMmJ2bmJqZTI2RGx0dWNXTk01UGYwUXlTRG9MUnFhb0VoQ19jZVUyQmtnLQ?oc=5) · Halton Hills News
- 2026-07-31 [10-Q: Metropolitan Bank | 10-Q: Q2 2026 Earnings Report - Moomoo](https://news.google.com/rss/articles/CBMilgFBVV95cUxNRTdWaFlEajJ4bk1mekZCR1c1VUJRdFV1OFNxdi1kcWNvS0dGZmZIc1p3Mi1jWVVMSWQ4MWliUDVlMUhRbWRGamcydWFRaVBVOWVKWTc5RmhFRmJ6UUVMd1c5Zm1oX2dNaWxRei1FczBzRTZaRzVtWFozY0d0eGdTX1p6cEpJSG1hR3VzQU5zUElodndSZVE?oc=5) · Moomoo

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25869 (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/13.json (key "25869", 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