# FIRST METRO BANK
MUSCLE SHOALS, AL · FDIC certificate 27381 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $1.01B | |
| Deposits | $893.7M | |
| Loans and leases | $599.7M | |
| Total equity | $113.6M | |
| Loans / deposits | 66.44% (p13 of band) | 87.10% |
| Liquid assets / assets | 38.50% (p88 of band) | |
| Uninsured deposits / deposits | 42.81% (p79 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.98% (p85 of band) | 10.50% |
| Unrealized securities loss / equity | -24.37% (p14 of band) | -7.75% |
| AOCI / equity | -1.67% (p6 of band) | |
| ROA (annualized) | 1.62% (p75 of band) | 1.26% |
| Net interest margin | 3.69% (p49 of band) | 3.70% |
| Efficiency ratio | 44.72% (p12 of band) | |
| Noncurrent loans | 0.13% (p17 of band) | 0.51% |
| Net charge-offs (annualized) | 0.13% (p79 of band) | |
| Reserve coverage of noncurrent | 759.03% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 73.98% (p74 of band) | |
| Auto loans | $8.9M (1.49% of loans; DQ 0.97%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.0% | |
| Employees | 133 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 2 | construction >100% equity | capital falling |
| 2025-06 | 1 |  | construction >100% equity |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2023-05-08 [First Metro Bank Opens Eleventh Branch - Huntsville Business Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcHlaaVZsdTBOUzlhNEZrVHJQX0MzbjVoenZRdGdlVHZ5emZ3ZEtSUFM0S0MxeFViTzQtcHE2YkQ0dkdfb1VBMUl2YmM3SkFTVFI1cjVEeHpETXJ0WFNmS0xxY1pKcUhMeFBwZFp2eXc5cHFmSDlHSHljM08yMFE1ZHJFaERGLTBpTERTUnVqZlpUY3dYY3BrYQ?oc=5) · Huntsville Business Journal
- 2025-09-09 [Heath Kirby - businessalabama.com](https://news.google.com/rss/articles/CBMiUkFVX3lxTE1KVFZ6NzhTLTBnZ0h4YzM2VUlRaEE1aHRZQ3hKNHJSM3U4UnhuQjk5WmVMUTRwdXpSMGdRdl9mdWVRUUFYWHd0WUtrd1hIc3pSSFE?oc=5) · businessalabama.com
- 2025-01-25 [Ford joins First Metro Bank team in Athens - Athens The News Courier](https://news.google.com/rss/articles/CBMihgFBVV95cUxOM2RtMHd3eTE5TGdBVEd6S0VFUllTRk1CZzl5bklsYXNzaUtMbThDZ29hRl85b3lOR1pjQ1gzS1lhNVREckRDS216ZHhBMHBkeFp1SUhyM1FCN2RKYjUwRjlHLUNNNktSbWRTS3lqYk1OdHhKS0RGSzY3YndYOTZNbFM0U3RFdw?oc=5) · Athens The News Courier
- 2026-01-21 [Vaughn retires from First Metro Bank - franklincountytimes.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNdDNCcnFZWWVxTkhzUmN2Vld6ZTZwLVU1QXNDWWIzY1N3UVhlemZCcE44MFhZQlZidDJuNm11YVBwMWxqMXBNRTVaZUh5ZVFiYkNHamV2OURXMEZody1pZVZKN0Fic3haTmt5RjhFUnJPV3VfNkpwX18wU3M3X1JISmF3UDdhUQ?oc=5) · franklincountytimes.com
- 2024-11-13 [Best Banks to Work For 2024 with less than $3B of assets - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxPYjVyd28wMVBJWUdiREk2VFVnSjJQajhjc1liZjlLT0Z0eXdjak5SLTFHbEU1eWNQZ1NOek11M0RWd2tXVkJQRDJzWWdYNEFqZWZCcEM1eEozX1hFWUxYdXB6bk1SNU1mWGtTSEZXazU1amkzY3ZNTHYxSFdoWkFmX0U3eGtkWVRiQ1FrYTdXendhNl92TlE?oc=5) · American Banker
- 2011-11-29 [Lauderdale Co. turns bank robber search over to FBI - WAFF](https://news.google.com/rss/articles/CBMikAFBVV95cUxNM19fczdwcTBQUVBEZDRPWUpPMEt3OGVZSEhPMTF3REc1bTZwbHg5RG1iclhSOEdNV2N6UHEwZS0wdGlwMENsdGFfSVJORjZhdXU5TzZIdmN0eTVpcTNBVGRTOTZiWDBZRXRqM1Y0cVdkWWpvdnNiNmtzUWZXX0VROE9wWmU2N0RhdjQwUVRPSm_SAaMBQVVfeXFMTmU5R19sRDdWa2NmTUo0TW4taUlTbXdfZFdKYndfNkFCUmtSR1JVYkNWOVowMmkzaEFHc2VFdy10akNVZU84THVOWElGUGNaVEFrNjdJWUhtS1VZbGV6OU5yblVVdGgwX3Q5elN0Z2lOcEdCQXc1cU13QXpUSTA2U3lGNlY0cG1kVEVGYTg1a1laNnJkZnJkNGpGNHhBVWlQRDJOVQ?oc=5) · WAFF
- 2018-09-01 [Community Banks – Alabama’s Top Performing Community Banks - businessalabama.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE5oeGFjWFFaNldzejJERVlMNzk4dFE4LUc0YVJqVmc5YW1jVnJKZldETFlLUktNcGZybkFUOUlXV3F4dUlCT2FkZldHa1dQaUZ5UXFPeXZ3aGQ0Z2swbFp2QlJyMFJkMEJBUndOLTdJaXQwRXA2bXBz?oc=5) · businessalabama.com
- 2008-08-03 [Landry-Hardy - The Tuscaloosa News](https://news.google.com/rss/articles/CBMihAFBVV95cUxOVlNoTTdEbURGNFAweGh6S0JFaElNdV9QdHZpakExcXAyeVpheXpwQlhJN2Y0TlFrWUdRMk1aalAzd3B6WEEzbUJqcW05QXczTkx5NzFNc056VTl1Y0FoZF9uOTZZYThydDF5eDNGZS1aU0JmQmxrY0NlbVNBNHB3SWstakk?oc=5) · The Tuscaloosa News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27381 (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/53.json (key "27381", 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