# METRO BANK
PELL CITY, AL · FDIC certificate 27510 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $1.18B | |
| Deposits | $1.01B | |
| Loans and leases | $594.2M | |
| Total equity | $170.4M | |
| Loans / deposits | 58.43% (p7 of band) | 87.10% |
| Liquid assets / assets | 48.13% (p95 of band) | |
| Uninsured deposits / deposits | 36.97% (p66 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.68% (p92 of band) | 10.50% |
| Unrealized securities loss / equity | -28.88% (p10 of band) | -7.75% |
| AOCI / equity | 0.01% (p79 of band) | |
| ROA (annualized) | 1.41% (p63 of band) | 1.26% |
| Net interest margin | 3.50% (p37 of band) | 3.70% |
| Efficiency ratio | 50.98% (p26 of band) | |
| Noncurrent loans | 1.18% (p77 of band) | 0.51% |
| Net charge-offs (annualized) | 0.09% (p75 of band) | |
| Reserve coverage of noncurrent | 97.87% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 58.94% (p62 of band) | |
| Auto loans | $6.5M (1.09% of loans; DQ 0.78%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 159 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | construction >100% equity |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2015-09 | 2 | charge-offs p90 |  |
| 2015-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2016-09 | 2 | charge-offs p90 |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 2 | reserve under noncurrent |  |
| 2017-12 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | charge-offs p90 |  |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-06-14 [Pell City Police Investigating Attempted ATM Burglary at Metro Bank - WBMA](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWFh6aXdJYTFoLWxFNWEtUVZrXy1IcVh3NWM3UjFpX0dMNDI2RERCamlRX0FfY0o1ck9MTEtiZlM0MUx1cndsbHhTSVNVLV9PUi0tRE8xUUVoSGgxXzFKR3pKaU9SWDc5Rm83aVFfRVgwSm9VWG1PV09DR1NNSmFIaHNSOFREYlFBa1o4dklzUkE4TXRO?oc=5) · WBMA
- 2026-02-04 [Banks power PSX higher despite volatility - The Express Tribune](https://news.google.com/rss/articles/CBMihAFBVV95cUxPRXZIcjdHeF9pQzRnajh4ZXEwTXBDZHVmOHlOd2dXTVJsNFNiSHVXa3NJcVB2dmg2YmJYUl9kWHhyV19PYmhRWU9iQVppZkFSLTlZVVZTMHdwRjQ3ZjB4NTV2MHV0eF9NT0cxYVhJcnFZT0c5YnF4ajNwcnJFUVR0Z1J3RzLSAYwBQVVfeXFMUG9mVUN5RHBzWjc1QVhaM2NZaGJjeE1vSFJOZFp0Rl9OaUp5OUxfamRVeXE0dGZfMzRBdlBQOUpXTHVEZjdxTmZMOElFd3FDSTQxM1pCa0JGd3VPTjJvYUV1OExaWFVFakp1bkFYeHEtd0NFemZXUWNJT3J4RjN5dzRWUnprYkNoTzRwamE?oc=5) · The Express Tribune
- 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 - Business Alabama Magazine](https://news.google.com/rss/articles/CBMiUkFVX3lxTE1KVFZ6NzhTLTBnZ0h4YzM2VUlRaEE1aHRZQ3hKNHJSM3U4UnhuQjk5WmVMUTRwdXpSMGdRdl9mdWVRUUFYWHd0WUtrd1hIc3pSSFE?oc=5) · Business Alabama Magazine
- 2026-06-23 [Pell City Police working with FBI to find attempted ATM burglary suspects - WBRC](https://news.google.com/rss/articles/CBMipgFBVV95cUxQNFhkZ3o3aXR6UUNNeVdsUm8wSU9DY3dOUWpsR3k5UGk5UEhPVVY4OEdJMHM0NkphcnFFR05QRF9wc0gxZzZkNEFIaDdLMjBXWGctNmhlUUhKbTRoNmRDSmJYcFJoX3lvdmlMdXZyZVJJQzVBOVVCQ3JJUXhjRC1oVkNFcS1CSVdPVkcwSjlVMWVfNjlqZGk1aVRoaXEyT2ZTVktyQlBR?oc=5) · WBRC
- 2021-02-22 [Metro Bank (AL) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMie0FVX3lxTE9KREJ3UkhoTTVvTWhqWlBSdXlhVWRmV3BwT1lteEh0LUJRZWctdEFzNTVzM3hvUm5wZGZwVF9lZG16T3JTLUVNWHNLWnlLZ2hERUwyQ1otazI1LXk0NzRpdnh6eVJRTW0zbklOR3B6ME9EaVIzMHltVnk3UQ?oc=5) · SmartAsset
- 2025-08-06 [Metro Bank swings to profit amid corporate lending pivot - ft.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQdXRRV1A5U3FTWFlSUVgyWmEyVkltQUFPbDBGcldKZVFGVTRfUU51T3U2YzUwdVpnOUJVbGhMWVdwUC1iRzZ4dVd5dXVKV3hUdUNMWUwtNDhIbU5XdXE2c0VJMjduRi1zbWxsdV9UeWVnd05pbFBxaUNYdlRndnF2ZkNBZ1Y?oc=5) · ft.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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27510 (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/54.json (key "27510", 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