# METROPOLITAN COMMERCIAL BANK
NEW YORK, NY · FDIC certificate 34699 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $8.86B | |
| Deposits | $7.78B | |
| Loans and leases | $7.33B | |
| Total equity | $967.2M | |
| Loans / deposits | 93.46% (p70 of band) | 87.10% |
| Liquid assets / assets | 14.99% (p23 of band) | |
| Uninsured deposits / deposits | 27.21% (p38 of band) | 30.76% |
| Brokered deposits | 23.20% | |
| Wholesale funding | 23.38% (p92 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.07% (p61 of band) | 10.50% |
| Unrealized securities loss / equity | -11.54% (p37 of band) | -7.75% |
| AOCI / equity | 0.07% (p82 of band) | |
| ROA (annualized) | 1.23% (p48 of band) | 1.26% |
| Net interest margin | 4.20% (p77 of band) | 3.70% |
| Efficiency ratio | 52.19% (p29 of band) | |
| Noncurrent loans | 0.91% (p71 of band) | 0.51% |
| Net charge-offs (annualized) | 1.08% (p97 of band) | |
| Reserve coverage of noncurrent | 92.60% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 49.83% (p53 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 13.9% | |
| Employees | 348 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **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 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2012-12 | 2 | expense ratio p90 | reserve under noncurrent, assets shrinking |
| 2013-03 | 1 |  | deposits shrinking |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | capital falling, reserve under noncurrent |  |
| 2013-12 | 2 |  | reserve under noncurrent |
| 2014-03 | 5 | loans exceed deposits, uninsured deposits >50%, run vulnerability, reserve under noncurrent | capital falling |
| 2014-06 | 2 |  | expense ratio p90, uninsured deposits >50%, run vulnerability |
| 2014-09 | 2 | capital falling | reserve under noncurrent |
| 2014-12 | 4 | uninsured deposits >50%, run vulnerability |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 3 |  | capital falling |
| 2015-09 | 2 |  | loans exceed deposits |
| 2015-12 | 5 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2016-03 | 3 |  | loans exceed deposits, wholesale funding >15% |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | loans exceed deposits, liquid assets <10% | capital falling |
| 2016-12 | 4 | charge-offs p90 | liquid assets <10% |
| 2017-03 | 5 | brokered >10%, wholesale funding >15% | charge-offs p90 |
| 2017-06 | 2 |  | loans exceed deposits, brokered >10%, wholesale funding >15% |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 | charge-offs p90 | capital falling |
| 2018-03 | 1 |  | run vulnerability, charge-offs p90 |
| 2018-06 | 4 | loans exceed deposits, capital falling, run vulnerability |  |
| 2018-09 | 5 | liquid assets <10%, uninsured deposits leaving | capital falling |
| 2018-12 | 3 |  | liquid assets <10%, uninsured deposits leaving |
| 2019-03 | 2 | uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2019-06 | 5 | uninsured deposits >50%, brokered >10%, wholesale funding >15%, capital falling, run vulnerability | loans exceed deposits, uninsured deposits leaving |
| 2019-09 | 4 |  | run vulnerability |
| 2019-12 | 4 | run vulnerability | brokered >10% |
| 2020-03 | 2 |  | wholesale funding >15%, run vulnerability |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | uninsured deposits >50% |
| 2021-06 | 3 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | uninsured deposits leaving |  |
| 2022-09 | 2 |  | uninsured deposits leaving |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 3 |  | assets shrinking |
| 2023-06 | 5 | assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  | deposits shrinking, assets shrinking |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | capital falling |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | charge-offs p90 | capital falling |
| 2026-06 | 4 | reserve under noncurrent |  |

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

- 2026-08-20 [Metropolitan Commercial Bank Unveils New Signage at Lakewood Banking Center - Yahoo Finance](https://news.google.com/rss/articles/CBMirgFBVV95cUxNV2l4SUtkUnZYMm1YWWl3ajZWYm1RM2xYdURrb3Q0eWkwRVBuRjlDd2VteDI4ZnZrN2FjSUszZFhJRXg4Rk5TQ25hTncxUDBFYjV5R2ZFZG5pbEdDR2x3RDIzbXBZcHYxby1OaWtFWnpDMXBOQXdVMGpXdXpwZF9KMXNWbE9vOEtvRDd5LTNaTS1jV3lBUzFyMFJxWVFRb1ZGVEJ2cHJPZkpONzNVZmc?oc=5) · Yahoo Finance
- 2026-08-20 [Metropolitan Commercial Bank Unveils New Signage at Lakewood Banking Center - Business Wire](https://news.google.com/rss/articles/CBMizAFBVV95cUxNNm1HdG5LOVc3cG5wS3FTVFRCNnp4M181RFBzM2NlR1Z5S1JUb1JmYkRfQk9YVXRGcFE5N0tqR21zT3QycnNPaTMyZzJOWktfZHpqQ3J3N1gzLVJmeVRwU2JxTm9LeTFLb01wRDItTUxlclFJVjZpRm5RcDFlTTJHanVwMm82NDVjdnEtSTR4TWoxMGM5TFhVZlFHMDdkX1hZUkhkX0dTNWlwTlpfSUFQQy13Nk9ua0xUbjlSdjNMdnlZckdZRFdnaHZoU0M?oc=5) · Business Wire
- 2026-04-23 [New York bank opens West Palm Beach office in One Flagler tower - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQMW9aZ1ZNN0M3LThuZTdCcHh1TUVxV0FuQlA5ZldiOXphLWxRR3F0ckFMT19ZZ3NGR0YzX1BvZ3YyYnMwV00wQ3p0Yk9vc2FvekFSX2psMjk3VGxEN1FOSjZTeUI1bHozZlJqYUdmeEgzZkFKTUpmdTBrYnV0R3ZFNkRYeVlfNVVZb252X2FyRFJVdnVZX0o1R2pqRjFmU2g3cEN1SlNPV29Odw?oc=5) · The Business Journals
- 2026-02-19 [Metropolitan Commercial Bank Forges Partnership with Finzly - Finovate](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOeXQzVDVjN1hPeGxmRVRNNlhWSUh5YTRyLTg5aEdhc3lZcUg3bHlXcm1UQnJSbVpaODJYUmFyU0x5N3RlM0FpNU1UOTExYjd4SlJyZVMxWTF5UW85dGhyRzE3dExYd2J4XzVZOU5hOUZuemhmcGpWeS1MVUhoYTFFWloweU00NDIx?oc=5) · Finovate
- 2026-07-02 [Metropolitan Commercial Bank Names Jason Bishop Head of Commercial Real Estate Lending - citybiz](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPWEJ1My1mNnViOFo1SnJoTVFCN2pRZXQzYlBoeVpVTEJDVWw3aXAweE93T0JXY2lQSnRYdXFBZndDREtpc2htRFJQdVBkbjBzdlRCM0F6bWtTbWpqTGVPdkR5Ml9pdmxnRm5mUTllT05lNmp4bVp0RUhfLUI0YldIZkU4QmswaUlONjl0YkN2bldYUE85WTlON0k0LWVMam1rdjA3a2JTQVBJMTlMWjFLRmlkY3d0TXhCU0s3Qjlsc29VYUk?oc=5) · citybiz
- 2026-03-17 [New York's Metropolitan eyes opportunity in gaming payments - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxOR0pZYUpPQkF6ellQODZZTUt4eV95NUdOd093eHU2Q216bGlDelFuZHFGVmVnVmNQUG5vRGZpc3Ftd1J6UnpXRGxOYzBVZXZ1SEdtMHZwQ3ZOMmd2Vm1fdXhoTnNCbGk5R3R0anZQWURyNFVFSDVTVnI0UmNEdUtwTVMtNF9ZSUo2dkdvd3Y0ZV9HU3dWQ3ZYNlV3?oc=5) · American Banker
- 2026-05-05 [Metropolitan Commercial Bank adds Turano and Kasper to bolster its government banking platform in N.J. - ROI-NJ](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNQzA3dzExX2VZWURSN2NIQzZqZ3d1LTdZMko2ajYyaC1UMlpEM0tndFNQSkFLMEI0SUt1cS1HZHVRMDBfR0hIVms0SWZXUGFFSlVIMXRiek8wMFBobnRZSWZ5Sk5FUVFfMlV6TTM1Yjl6QVJOaktNZ2JBenl6Y0J5Wkphc2tndUZSZnI0QldjMnh2VVFyNjZGSUhLTEV6SnJULXFIdFpta20xSURrQmJEQzFqc1NvSmxpb0N4X2NiZm9zUDI1VWxSVDhOZDJmYkl2T2NpbVJrUjdlaFE3?oc=5) · ROI-NJ
- 2026-08-20 [Metropolitan Commercial Bank Unveils New Signage at Lakewood Banking Center - Bluefield Daily Telegraph](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNRWp6QTVhWFNubFJRY1ZiVTRxTHc5Zjh1dEw5NDc4aVFucWNHdWczaWYxNG5tUmpJenBIdl9TeEtjNUp3V2dyU3pGVUlLbnlodmVHbG5IR1VrQl84UkdJR2F3aGtta3hjMXN0TFotaTltSDR6RVdRNGNFcmdVSTJDeENwSWdGaU1mYkhDVmFsTzVHV1VUeHNWNkdVT1I0WVl0d0gwQWlHTHlGbE0xeWEteWVMdWM0NEtqRUZDdGlyUVkydEkxSGVXY3p1WDJkZWt1VGNSaE0zUnFqaF9sbWpmNkVycEd4anU5NTV6ZDdGcw?oc=5) · Bluefield Daily Telegraph

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34699 (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/11.json (key "34699", 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