# METRO BANK
LEMOYNE, PA · FDIC certificate 26255 · asset band $1-10B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $2.91B | |
| Deposits | $2.37B | |
| Loans and leases | $2.03B | |
| Total equity | $280.0M | |
| Loans / deposits | 84.82% (p44 of band) | 87.49% |
| Liquid assets / assets | 26.91% (p63 of band) | |
| Uninsured deposits / deposits | 26.73% (p54 of band) | 25.18% |
| Brokered deposits | 0.25% | |
| Wholesale funding | 8.49% (p45 of band) | |
| FHLB advances / assets | 8.24% | |
| Tier 1 leverage | 9.63% (p49 of band) | 9.67% |
| Unrealized securities loss / equity | -3.45% (p2 of band) | 0.38% |
| AOCI / equity | -0.10% (p67 of band) | |
| ROA (annualized) | 0.77% (p31 of band) | 0.94% |
| Net interest margin | 3.73% (p68 of band) | 3.48% |
| Efficiency ratio | 68.07% (p62 of band) | |
| Noncurrent loans | 2.14% (p93 of band) | 0.68% |
| Net charge-offs (annualized) | 0.35% (p96 of band) | |
| Reserve coverage of noncurrent | 54.78% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 55.62% (p71 of band) | |
| Auto loans | $361,000 (0.02% of loans; DQ 0.28%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 753 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | noncurrent p90, charge-offs p90 |  |

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

- 2026-09-05 [Left-wing news outlet forced to 'suspend operations' as second bank account 'frozen' - The National Scot](https://news.google.com/rss/articles/CBMingFBVV95cUxNV01OQ0Y3Z0pCY3ZnREpUMUdadEVtYllGZVlYTjU0V3VhcjQ5WXNqczRJSk1VNUtZRDhDbWlUT2xGZ0xQNG5zdzNmMU50YThKSFoyRmVnNGlpTUFRNWpuYWk2SVktV0VYRDh6NFZmcER1cUhXSm0zcFhLX1JYLUJpb3NxZTZxZG5pckhNUy1LN3dVa1Z3ckNxSmFQMlNVUQ?oc=5) · The National Scot
- 2026-03-04 [Metro Bank bounces back to profit after cost-cutting - independent.co.uk](https://news.google.com/rss/articles/CBMingFBVV95cUxQc05qRHpPOEptdldpbHNYTEZ0UWtkQmYzS1dKRU1laUFxUFctYkpTa0J3aER3N3hrQ1Z4R1FEQ1lFU3J3VDZDVVhPUTkwVWJ3UGV4RExqRVpRQ3NzejBiWWR2WjhPeWtKVjNVZ05XYmhKWnc4dFotZEFUUTJ3TE91V2FRNnJNbFZiOHUtNUVRckV5d00tUnJyVU55ZlZVZw?oc=5) · independent.co.uk
- 2026-03-04 [Metro Bank profit hits 15-year high as SME lending surges - business-live.co.uk](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMmJOMFpEeERRb0NILVRMcWl1bXhCSVN2OUNjU0VBbVcyNUdxMjNLOHQyeWNyb3F1c1pxbDZzNXRlaGxOazE0cmZoQjFiMmltQWFCRnplU3BkcWVMWE5hejlTV1RmYTJqM3VDRmhBcEw0bHJzQnRqTnVBSmhoaDFNM3lfel9oVTc1UndvdFNHNHhRd9IBlwFBVV95cUxPV0JKdzBmT09mRi1yX0FvM0F1V3I0THRIOVZyUFpPVXY2Zi1DU0NKcXBlTmdCdlZRODRsRkhPX2pJcUk0MnVDb0UyTEszOW96VXk3Q1ZaRXowaG1YX2FlTTdjM2ZzWVp0eThfQVpwTU12Zk5ZODZjSVA5Nk9QQVZvU19jZ0ZNMkVzeEUtWmpoaElWazYxUGZF?oc=5) · business-live.co.uk
- 2026-08-04 [Metro Bank profits jump as growing branch network brings ‘competitive advantage’ - independent.co.uk](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQREVuRlV4U2g2N2I1Qy1lbnc4REZNSU1ubzA1TGktanQyOFBjMTB1T3ktSGdwUEZDcVdBWHRDNXl3R3VWRXJQcVNmSVloTUtMNHBBdkxDWVV5a3Z5QzYyWEpBbzF3UnNvcXpyU0huaGttOVU1endodWxadFdpVkVKVW52R182RkxNSkluT3hCb01tVzlvRlJpOS1XNS1VYThSb3BfaTFlSXZRUFI4eDRYREVMSEQ4LVNneTBublFEUlduQQ?oc=5) · independent.co.uk
- 2023-10-05 [Metro Bank considering raising hundreds of millions from investors - The Guardian](https://news.google.com/rss/articles/CBMitgFBVV95cUxPOU0zOUNxb2lMdU4yUHZNS3gycmxrSjRfSWVrR2pHTEFvU2s5cU5GVjUzUTZscmRMbGd3ZzJiLXpUZEpOekJfVERsN0J2NEpyYm1UOXg4aVo3U1VUNEFlWkctT3dHUUcyRDIyZWQxT0twblVjcWpHSmp2cjF3R3cySmhxTHAxZnF5UGI0TDNVY3JEb1BCR3pKQ3hGVG9KQmtiYWNiMXVUOTV4SlpmMXlrWGQ3aDNvQQ?oc=5) · The Guardian
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2015-08-04 [Harrisburg-based Metro Bank to be acquired in $474 million deal - York Daily Record](https://news.google.com/rss/articles/CBMipwFBVV95cUxQYkwxOWcyODUyZkpIbkgxeWFUM0lOemNDX3pidDJ3cEhYTVBKbk8zcDJmb01YMkhZZU1pRnVCNHJ4YzZvS3VMWjlMbHRZeFJpTGx5NTFGU3lxRE16LW1JOFIzNnI3Z1NVUWJuaEg3UEdYU2pMUTNyWG5SdGliamh5czBYYkVFaEhlVUlXdmdTek5ZNVhaeVl4RHdfUkhHcFNDc29pNndyWQ?oc=5) · York Daily Record
- 2024-05-03 [The CEO Who Hired His Wife, Gave His Dog a Title, and Brought Down a Bank - wsj.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPaDVJM0RoQTNrcUdta252OG5QQTZMSDBYUW9jLWw0NVpCZk15OHJnUjNySTRxRTA5YUw5Z01yX05qazJVTGdaTTZxR0kyMS1xc0pCTzJidnZ0c3JWNGhMR2Q5Ui1BQk5iLW1IbHhBVlI2bkdJZkRlSmY0bGdwYnhpRDBqcEx1QWxUeUlzVQ?oc=5) · wsj.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26255 (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/15.json (key "26255", 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