# METRO CITY BANK
DORAVILLE, GA · FDIC certificate 58181 · 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 | $4.47B | |
| Deposits | $3.53B | |
| Loans and leases | $3.96B | |
| Total equity | $515.0M | |
| Loans / deposits | 111.54% (p96 of band) | 87.10% |
| Liquid assets / assets | 6.87% (p2 of band) | |
| Uninsured deposits / deposits | 32.79% (p56 of band) | 30.76% |
| Brokered deposits | 15.12% | |
| Wholesale funding | 23.51% (p92 of band) | |
| FHLB advances / assets | 8.40% | |
| Tier 1 leverage | 11.08% (p62 of band) | 10.50% |
| Unrealized securities loss / equity | -4.17% (p68 of band) | -7.75% |
| AOCI / equity | -0.34% (p47 of band) | |
| ROA (annualized) | 1.94% (p86 of band) | 1.26% |
| Net interest margin | 4.08% (p73 of band) | 3.70% |
| Efficiency ratio | 40.33% (p9 of band) | |
| Noncurrent loans | 0.44% (p44 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p35 of band) | |
| Reserve coverage of noncurrent | 148.08% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 13.47% (p12 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 | 29.5% | |
| Employees | 309 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | loans exceed deposits |  |
| 2011-09 | 2 | wholesale funding >15% |  |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 1 | charge-offs p90 | loans exceed deposits |
| 2012-06 | 1 | capital falling | charge-offs p90 |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | loans exceed deposits |  |
| 2014-03 | 1 | charge-offs p90 | loans exceed deposits |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | loans exceed deposits |  |
| 2015-03 | 0 |  | loans exceed deposits |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | loans exceed deposits |  |
| 2016-09 | 3 | liquid assets <10%, capital falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 0 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 3 | liquid assets <10%, reserve under noncurrent |  |
| 2017-12 | 3 | wholesale funding >15% | liquid assets <10% |
| 2018-03 | 3 | liquid assets <10% | wholesale funding >15% |
| 2018-06 | 1 |  | loans exceed deposits, reserve under noncurrent |
| 2018-09 | 0 |  | liquid assets <10% |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2019-06 | 1 |  | liquid assets <10% |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | loans exceed deposits |  |
| 2020-12 | 3 | liquid assets <10% |  |
| 2021-03 | 4 | brokered >10%, wholesale funding >15% | reserve under noncurrent |
| 2021-06 | 4 | capital falling | liquid assets <10% |
| 2021-09 | 5 | liquid assets <10% |  |
| 2021-12 | 4 |  | liquid assets <10% |
| 2022-03 | 3 |  | capital falling |
| 2022-06 | 5 | liquid assets <10%, reserve under noncurrent |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 | capital falling | reserve under noncurrent |
| 2023-03 | 4 |  | capital falling |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | uninsured deposits leaving |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 |  | uninsured deposits leaving |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 4 |  |  |

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

- 2025-12-02 [MetroCity Bankshares, Inc. Completes Acquisition of First IC Corporation - PR Newswire](https://news.google.com/rss/articles/CBMixAFBVV95cUxPeEpOaTV0U0VGel9BX3M4OVp3MG1GdVBLelhJZ1ZuclV0d1B5Rm5iWmF0SUI1ZV92ZG1JbnVRdWttbkZQdDhVMG5zR0RoWlNZbWpSRWM0Z20wby04dWN2cGtnMGNkQjdlSFdDT1NfbnNZV1lXdlI2TDhPZkZlbTM2VDVvQXlNaWpaaF9nMm82R01IOUk4eHdfY2hPU20zZTRySktoMEdybFhrTHNsQTk4RGZITzgwLTNyM1R5dko4LUFGaG9l?oc=5) · PR Newswire
- 2025-11-14 [MetroCity Bankshares, Inc. and First IC Corporation Announce Expected Closing Date - PR Newswire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxObzNSSTNGS0NlUlN3Q1NJZFE3S1RTUTluR0hDa0tkcmp1TllldFJJcV85VUFNTDZnQmxtOVlMbXZIWFBZbG5GRnloZ1JTMXpEMzFJaF81cTc5OEhzLUh6TERnUVRMVzJrblN1RG0xdFNqRFZUb0dNNm1neXluQko0em9DUFdOc0FnVzJ4VC1sQ01laEE2aUJsd2JibTJjaFFQeGI5cG9WSG9sVWtlLS1qU1VYSzRmUVNfSHRpYVVyeGVzS3pGRzEwN18zRThsY2FneUE?oc=5) · PR Newswire
- 2025-12-04 [Georgia’s Metro City Bank to Focus on Two LA Branches as Merger Closes - The Korea Daily](https://news.google.com/rss/articles/CBMiakFVX3lxTE9lV3RRTHVQR0prNWZFZUxZMjBTR3p3alJRVElBMW5TU1pjUFFvLUM5OW1iaXR0MWlUYktFMVphWGxpLTJBVzVlYjUtbFhKN0l1aVZNa3Iwc2J2VC1udldfZHlMaklUYTU3R2c?oc=5) · The Korea Daily
- 2025-11-14 [Georgia banks set December acquisition date - American Banker](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZzUzbDk4YnlGNFJKdEstRThOSk9sMXhfMk1kOG9McVVRbE05UlVTWkhQZzJjMDdLdTZ6Q252ZWM0VHJsVUtTZ1hFVjNwYlMxcTZWSE5xSkt4cmNfOUNzRjE4ZFFCNEcyY2tLQzFiYXpXa2VwNV9TbVdJcHVsN0ZySU5naHE1QQ?oc=5) · American Banker
- 2025-11-25 [Doraville-based Metro City Bank and First IC Bank set to complete merger - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxOZDlKN0FkUmZwMlNIMVp3OEtFQmd3VzNXTUk0bTluZFFnajNWMFZWRjE3cDlwWVF1SmhpTWZab2tBZ2hkMURYekl4MmVzNF83UFF4V1dWY25fckpvX3FwdkxpTm9nUHo3SVhidTNIcDk5V2oyODdnVlhmUkJiQlpMcjNOX0tSTnhyZTlmUzlCdjgyU3BEbjdnY2U5TQ?oc=5) · The Business Journals
- 2026-01-07 [Top 10 Asian American-Owned Banks - Investopedia](https://news.google.com/rss/articles/CBMiekFVX3lxTE1xUlFhQnJic2FTUklRWHZ0U0tuMFJVZV92RjRUZkRCaFI0cmFQWlBUb2U2UzBxX2swYkwtY0RudTNJbXJkVENxYW5WYV93dHp0UVhRbmtDRzlySWJtVDFSaUpPQ2JONDN2QkhGQlBBdWw1OXZWT2pxTl9n?oc=5) · Investopedia
- 2025-07-18 [Doraville-based bank gets approval for $206 million merger - Atlanta Business Chronicle - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNdE4tMjkwS3B4NWJlQ2N0WExWY04yM0pnLVlKODlRV0tLR3Y3ZEJTdkJzMlRDbFlwY3g1VFducFlKWmQ4UHdVWWdabHJELXB6SjFzcGkyNlAxa0RjS3pmYkZJblVqdFBkRXRFdThaUXlXbldfV1QteXBtZ3ROaG5qLWdkMzlnQlNxSTJWNkZscmZhT0phRnJzb0ZXbTl1MjA?oc=5) · The Business Journals
- 2024-09-02 [Korean & AAPI Communities in Metro Atlanta Mourn the Passing of Jay Eun, Prominent Community Leader - gasiantimes.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNWjdTSmYtVGZhalFadmItd2V2Vlc1YmdIMTRyOFhZUGs5eFdua2JNZGVnN2tpV2FBUzF0LURJY3lUcEU1bXoyRXZTcDZJcVdldXlfTzB4SGhFeVRuY0VPd3lDN0pDR1h0RlRPaHZxN3AtRW92QXdFX2hrQ0dsMmlIa3dtOG1aTDdoam1ZMm02Rnktalh0aWYxNWlzQTNDdDJlMFpXMkxmQ2FRSm9qeGoySUJvaTljdjQ1bXJDeHR4R2k4U2h4dmlEZ3JOM2hZVVFqX3ZkQmlMVlE2WFZxenJCVXJYZG8?oc=5) · gasiantimes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58181 (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/5.json (key "58181", 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