# METROPOLITAN CAPITAL B&T
CHICAGO, IL · FDIC certificate 57488 · asset band <$300M · latest filing 2025-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $235.5M | |
| Deposits | $202.1M | |
| Loans and leases | $136.6M | |
| Total equity | $-1.8M | |
| Loans / deposits | 65.05% (p37 of band) | 73.21% |
| Liquid assets / assets | 38.99% (p61 of band) | |
| Uninsured deposits / deposits | 22.27% (p60 of band) | 19.45% |
| Brokered deposits | 18.87% | |
| Wholesale funding | 32.88% (p99 of band) | |
| FHLB advances / assets | 14.01% | |
| Tier 1 leverage | 1.83% (p0 of band) | 11.56% |
| Unrealized securities loss / equity | – | -6.10% |
| AOCI / equity | – | |
| ROA (annualized) | -6.92% (p0 of band) | 1.04% |
| Net interest margin | 4.91% (p88 of band) | 3.83% |
| Efficiency ratio | 123.32% (p97 of band) | |
| Noncurrent loans | 2.82% (p92 of band) | 0.34% |
| Net charge-offs (annualized) | 6.75% (p100 of band) | |
| Reserve coverage of noncurrent | 134.94% | |
| Real estate % of loans | 22% | |
| Construction % of loans | – | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -7.3% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 3 | reserve under noncurrent |  |
| 2013-09 | 4 | capital falling |  |
| 2013-12 | 3 |  | capital falling |
| 2014-03 | 2 |  | reserve under noncurrent |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 3 | reserve under noncurrent | capital falling |
| 2015-03 | 4 | noncurrent p90 |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 3 |  | noncurrent p90 |
| 2015-12 | 2 |  | reserve under noncurrent |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 5 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2016-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | reserve under noncurrent |  |
| 2017-09 | 4 | noncurrent p90 | capital falling |
| 2017-12 | 5 | leverage <7%, losing money, charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2018-03 | 4 | capital falling | losing money, charge-offs p90 |
| 2018-06 | 3 |  | capital falling |
| 2018-09 | 4 | deposits shrinking, assets shrinking | leverage <7% |
| 2018-12 | 5 | charge-offs p90 |  |
| 2019-03 | 5 | uninsured deposits leaving | charge-offs p90 |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 4 |  | uninsured deposits leaving |
| 2020-03 | 7 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2020-06 | 5 | noncurrent p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-09 | 6 | capital falling |  |
| 2020-12 | 4 |  | losing money, noncurrent p90 |
| 2021-03 | 5 | losing money |  |
| 2021-06 | 3 |  | capital falling, losing money |
| 2021-09 | 2 |  | expense ratio p90 |
| 2021-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | wholesale funding >15%, reserve under noncurrent |
| 2022-06 | 5 | wholesale funding >15% |  |
| 2022-09 | 7 | deposits shrinking, assets shrinking |  |
| 2022-12 | 8 | reserve under noncurrent |  |
| 2023-03 | 7 | uninsured deposits leaving | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 7 | charge-offs p90 | deposits shrinking |
| 2023-09 | 7 |  |  |
| 2023-12 | 4 |  | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2024-03 | 5 | losing money, uninsured deposits leaving | charge-offs p90 |
| 2024-06 | 6 | capital falling, noncurrent p90, reserve under noncurrent | losing money, uninsured deposits leaving |
| 2024-09 | 6 |  |  |
| 2024-12 | 12 | leverage <7%, leverage <5%, AOCI drag >20% of equity, losing money, charge-offs p90 |  |
| 2025-03 | 11 | expense ratio p90 | capital falling, AOCI drag >20% of equity |
| 2025-06 | 11 | construction >100% equity | charge-offs p90 |
| 2025-09 | 13 | capital falling, charge-offs p90 |  |
| 2025-12 | 11 | deposits shrinking | securities losses >30% of equity, reserve under noncurrent, construction >100% equity |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57488 (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/16.json (key "57488", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide