# METRO BANK
LOUISVILLE, KY · FDIC certificate 34308 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $27.2M | |
| Deposits | $22.2M | |
| Loans and leases | $12.1M | |
| Total equity | $4.8M | |
| Loans / deposits | 53.95% (p20 of band) | 75.62% |
| Liquid assets / assets | 51.56% (p82 of band) | |
| Uninsured deposits / deposits | 6.77% (p12 of band) | 16.17% |
| Brokered deposits | 9.66% | |
| Wholesale funding | 9.66% (p84 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.17% (p88 of band) | 11.43% |
| Unrealized securities loss / equity | 3.14% (p82 of band) | 0.53% |
| AOCI / equity | 2.68% (p92 of band) | |
| ROA (annualized) | -2.11% (p1 of band) | 0.92% |
| Net interest margin | 1.95% (p3 of band) | 3.67% |
| Efficiency ratio | 194.00% (p99 of band) | |
| Noncurrent loans | 1.68% (p79 of band) | 0.57% |
| Net charge-offs (annualized) | -0.07% (p5 of band) | |
| Reserve coverage of noncurrent | 80.88% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 0.00% (p8 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 | 4.7% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 3 | charge-offs p90 | losing money, expense ratio p90, noncurrent p90 |
| 2012-03 | 8 | losing money, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 |  | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 4 |  |  |
| 2012-12 | 2 |  | losing money, expense ratio p90 |
| 2013-03 | 3 | losing money, expense ratio p90 | reserve under noncurrent |
| 2013-06 | 4 | capital falling |  |
| 2013-09 | 5 | reserve under noncurrent |  |
| 2013-12 | 3 | uninsured deposits leaving | losing money, expense ratio p90, capital falling |
| 2014-03 | 3 | losing money, expense ratio p90 | NIM <2.5%, reserve under noncurrent |
| 2014-06 | 3 |  |  |
| 2014-09 | 4 | deposits shrinking, assets shrinking | losing money |
| 2014-12 | 3 | brokered >10% | deposits shrinking, assets shrinking |
| 2015-03 | 7 | losing money, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2015-06 | 8 | capital falling |  |
| 2015-09 | 5 |  | uninsured deposits leaving, losing money, capital falling |
| 2015-12 | 7 | deposits shrinking, assets shrinking |  |
| 2016-03 | 6 | losing money | NIM <2.5%, assets shrinking |
| 2016-06 | 6 | NIM <2.5% | deposits shrinking |
| 2016-09 | 7 | capital falling |  |
| 2016-12 | 6 |  | capital falling |
| 2017-03 | 7 | wholesale funding >15% |  |
| 2017-06 | 9 | deposits shrinking, assets shrinking |  |
| 2017-09 | 8 |  | losing money |
| 2017-12 | 6 |  | noncurrent p90, NIM <2.5% |
| 2018-03 | 7 | losing money |  |
| 2018-06 | 8 | noncurrent p90 |  |
| 2018-09 | 6 |  | brokered >10%, wholesale funding >15% |
| 2018-12 | 5 |  | noncurrent p90 |
| 2019-03 | 3 |  | deposits shrinking, assets shrinking |
| 2019-06 | 4 | capital falling |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 5 | NIM <2.5% |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2019-12-11 [Liberty Bank and Trust Company Agrees to Acquire Metro Bank - Biz New Orleans](https://news.google.com/rss/articles/CBMijwFBVV95cUxNZXNCVHFvWE1zTzFQc01MYW1uR013ZnFOZnVTVzhGbmFRR01QcGp2YWpxajZwb0pTZ0JMdTIwLWNVb3dBOVlfcTVrY29vT0Eyek8yRXkwTWVsMHdqaVhKY21JSWpnOG1KSEN6dW5QbHRVdXlDWk9KbzBZQUJlbVduMHpoa1Q5WWttQVZIY2RTZw?oc=5) · Biz New Orleans
- 2026-07-27 [Injured Hain out of Metro Bank Cup in Warwickshire blow - ESPN](https://news.google.com/rss/articles/CBMinAFBVV95cUxNSkdzckNSbWNsRlE1aXRTeW5McDNoZ3V3TkE4el9UbzEzaThGTXdHd1dIS2RoeEx6ZDcxTkxCazJGS3ZBejhzQmV0T2FxcW9JbzZlRGdWUXhZM05HM2JMMGYzZTFmaXFqT2FWSFFJR0pfWWVmUUV5R0xPclFRVkZQUGt2WVcxeEtSQjRldTd5WG82am96T08ycEdwcGU?oc=5) · ESPN
- 2025-06-23 [2017 Interagency Minority Depository Institution and CDFI Bank Conference - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNRDBFbGMyZmwxclh1RDBsREQ2aEJwaThjYlRtQUc0TGp3LXcxeWdKbWYwRG5JcER1NGsyMFFxTVpXbGNoTWFmQVJXQk1JSjR2dV9nc1ZtX0lBQ1VKX3cxSkViN2NIa0ZhMlVMeENZQ3J1eDF5MElXWnlDVGxmdGo0SzRsTkhtNGZvS3RiaURzNU1zSFdEUndCRm1DWlFuNWJGU25qSVZwTGR4UC1Ga0k5T05BaUQ3QmJw?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2020-07-14 [Republic in Ky. hires former CEO of Black-run bank to run loan program - American Banker](https://news.google.com/rss/articles/CBMirAFBVV95cUxON3NXNzdmOG1rMVczT3ZSQ2tFZVdqTFFoaFdNa1AwWFd1aEExM1RvUWhhUDJrMFdxME9OT25DTy1PdjQyR2NoTWZhdzREWi0xbk13aHFJSmNDVDFIbWhCZDZaRnRNWUk4eHJVNzladFhyR0QzZUlsRFRoa0U2b0FXd0phQlFiOFZqWDZidFMwaEppNERkaXRzdmR5Z2c3RlpfTDBFWlBLVW1CVWxk?oc=5) · American Banker
- 2011-03-04 [Metro Bank leader Pedro Bryant works as a partner with borrowers - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQbXFFS0l1dmtXbWxVUUVDS2poSXdFUFAzSndNTEZlcGZ0XzlEWWFNZnBzbXVUVTlVRl9FTkhBQzY4bzVLVFB5akZNX3ZheHhNTmlCLUtWSGViX2ZSTEpQYTF1bUdBTzdGWmlsSjB6d2JZLUI3VWpLSjdTY0UtZHJDNXZrY3cxcEVQRXRuc3NJWjNiekNIZmM3V09UZ3FUTzloWWJEbkNSMWc?oc=5) · The Business Journals
- 2026-07-24 [Two suspects charged in Pell City attempted ATM burglary - The Anniston Star](https://news.google.com/rss/articles/CBMi-wFBVV95cUxNUEUwLTVOb0swZExQUVhveE9qZ1NuLVZwNHl1QjNBd2lvdGRIem9IbkcwSHN6WUs4NnRxalZsUlBpN2M5dk44LUFsSDBlMkpfem0yVkZzNFBwWEo1cG9ZbGdfclMzRy1iZ3ZsS0Vpa0Q1ckhyRTEwRU13VjhHNklVSl9kX2paUW5DSTU5SjJGbl9FTVFiLWpadUw4ZWM0bXJhV1B0anN0bGctNjlLZjhlZm9hRDd6WUhFalIyS1JoOGFHVEFzdG9oU2s5ZUg2bS1JRkd5OGMzVjJxZVI2TWNCS2pUNmtyUWM1MVlNZjlrd1pUYkZCQzZFb0Fpbw?oc=5) · The Anniston Star
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34308 (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/4.json (key "34308", 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