# US METRO BANK
GARDEN GROVE, CA · FDIC certificate 58310 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $1.64B | |
| Deposits | $1.44B | |
| Loans and leases | $1.37B | |
| Total equity | $161.5M | |
| Loans / deposits | 94.19% (p72 of band) | 87.10% |
| Liquid assets / assets | 14.96% (p23 of band) | |
| Uninsured deposits / deposits | 47.70% (p88 of band) | 30.76% |
| Brokered deposits | 7.48% | |
| Wholesale funding | 9.00% (p61 of band) | |
| FHLB advances / assets | 1.52% | |
| Tier 1 leverage | 10.42% (p48 of band) | 10.50% |
| Unrealized securities loss / equity | -4.62% (p66 of band) | -7.75% |
| AOCI / equity | -0.06% (p69 of band) | |
| ROA (annualized) | 1.01% (p31 of band) | 1.26% |
| Net interest margin | 3.42% (p33 of band) | 3.70% |
| Efficiency ratio | 60.42% (p55 of band) | |
| Noncurrent loans | 1.54% (p85 of band) | 0.51% |
| Net charge-offs (annualized) | 0.32% (p91 of band) | |
| Reserve coverage of noncurrent | 82.05% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 19.19% (p17 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $58.7M (36% of equity) (p95 of band) | |
| Deposits YoY | 12.2% | |
| Employees | 204 | |

## Flags firing in the latest filing

- **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 | 3 | losing money, charge-offs p90 |  |
| 2012-03 | 7 | expense ratio p90, noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 8 | loans exceed deposits, liquid assets <10% | uninsured deposits leaving |
| 2012-09 | 6 |  | loans exceed deposits, liquid assets <10% |
| 2012-12 | 7 | charge-offs p90 |  |
| 2013-03 | 5 | capital falling | deposits shrinking, assets shrinking, charge-offs p90 |
| 2013-06 | 6 | assets shrinking |  |
| 2013-09 | 8 | charge-offs p90, deposits shrinking |  |
| 2013-12 | 4 |  | reserve under noncurrent, assets shrinking, charge-offs p90, deposits shrinking |
| 2014-03 | 6 | NIM <2.5%, charge-offs p90, uninsured deposits leaving | capital falling |
| 2014-06 | 3 |  | noncurrent p90, charge-offs p90, uninsured deposits leaving |
| 2014-09 | 4 | capital falling |  |
| 2014-12 | 1 |  | losing money, NIM <2.5%, capital falling |
| 2015-03 | 0 |  | expense ratio p90 |
| 2015-06 | 1 | expense ratio p90 |  |
| 2015-09 | 0 |  | expense ratio p90 |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | brokered >10% | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | brokered >10% |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 1 | loans-to-lenders >50% equity |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 2 | uninsured deposits >50% |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | run vulnerability |  |
| 2022-03 | 3 |  | run vulnerability |
| 2022-06 | 3 | run vulnerability | loans-to-lenders >50% equity |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | loans-to-lenders >50% equity |  |
| 2024-09 | 1 |  | loans-to-lenders >50% equity |
| 2024-12 | 2 | loans-to-lenders >50% equity |  |
| 2025-03 | 0 |  | capital falling, loans-to-lenders >50% equity |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | charge-offs p90 |  |

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

- 2025-06-06 [US Metro Bank Supports 10 Retail Businesses with $50,000 Grant - 미주한국일보](https://news.google.com/rss/articles/CBMiX0FVX3lxTE01M2ZkSU9WN3dNNFZCZ2s4V0N0Q09uajQzUjhVQVBnczRITGdudWJNT2t4dkwtY2hhVnZkbUJyaG4wUm1sZkJucW0wTTkxejRZZllWTGJ6MFJuei13QUM0?oc=5) · 미주한국일보
- 2025-04-24 [Us Metro Bank (USMT) Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTFA2dVVsT0JPMmphc3U3eGsyNE1pRDFlc21kSVJwSGtKXzNuUkdCeWwwZDJja0xlSGJnX1AzQTU1VDY3T2luVm5PSkZTXy1FSHk4RUJn?oc=5) · Stock Titan
- 2020-11-03 [US Metro Bank Grows Beyond Korean Clients - Orange County Business Journal](https://news.google.com/rss/articles/CBMigwFBVV95cUxOWXo1MTY3cDZjOFFfZGxXYUVQZWxkdW1iY3M4SEhnLV9wYXFFa1JCTHRLRnY5ZndXUnZBTE1rLUVfNk5ZU28zcmI5ay1CaUtySGZMRVNUcFpMNF8zNVBqQ3FicEptZGd1X1BfMVFlLWJyanRwam12N2JBWGVUUGlFbXdCUQ?oc=5) · Orange County Business Journal
- 2024-09-23 [Google Wallet now supports 47 more US banks (and one new service) - Android Police](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNlpuR1J6Q2JwOXFsMExVdW1KWXhaUk1CTXVpdk1vMndxbjBJNWw2TzEza1NPV2FDdE1KU3gwdEdIWjJYUWpQZzZpcXdYaThzZnhaXy1ZYUpINjZaTjhCb001aE9taVdtMklUMkZZVlB3WkFDOUUxNFdudncxX0NfaVNFZk5jR1I0VmlMZE1ka2JoQy1sYXlN?oc=5) · Android Police
- 2021-01-24 [The 2021 Money Issue SBA Lenders Directory - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQQTItaTFhM3FKTHJyVzBQUFZnc3N5NWFweGVBWXl1endvWUJtVm43WUJwemNicnczbWx0eE5DVHpYdnRVS05tYnJHX3ZiRHZ1NS1PNE56WDFhN25YMVM1VEVGckNXWEJWeUhEaHA3UW9fS1N0Mm5UMWYzNzBrUW1KY0lpQ25qdEhT?oc=5) · Los Angeles Business Journal
- 2024-01-16 [BH Properties Buys Renovated Plano Office Building - The Real Deal](https://news.google.com/rss/articles/CBMilwFBVV95cUxPTVlhaE1iakMyNkdMS2JLN2pLTGRZMXJiRUxadHJtZkJxNTVPVl9INlo5ektYaFFMMzExUWVUWjhKellXQkRJNGxwbXg3b0FTT0JWVHJjajB0bFN2ZERWb0ZELWllTHhhRXpYalMtbWJEbE1Zc1hrUlkxVmVWOWw1dkp1YkVkMk5jZS1pUnYxLVRZQTZQTDdr?oc=5) · The Real Deal
- 2022-05-02 [McCain Plaza Rings Up $31M Transaction (Real Deals) - Arkansas Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxNZUFjMUZ2Ni1rVFVCaXlQSk9OcUozdnRwNzFfSFh4YW9rU29hTUhYUXNJZHBCbV8zSk9yVGl2eng1T0R0cEJjY0FkZXh1QUEwMU1HUlcxSFMzUkNBYlpUUlRKOENaQlhHcXVwbmdFUWNyVHg4OTFGNHJWczlOQ1BNYl91V1pDUm0zU3R2bzU1cTJOejN5?oc=5) · Arkansas Business
- 2024-01-09 [Trusaic: This Company Enables Pay Gap Monitoring In Over A $20 Billion Market - Pulse 2.0](https://news.google.com/rss/articles/CBMiXEFVX3lxTE94ZEVISUhXQ1VJOTI1cXcxeElFLU1tNzllNk5JRFQzMTNfWFVLdjFXUGpPVHltRjFoNnlCZ0c3Wl9tYzhXVmVFczJpQjhBQ2V2bHFGQU5KbWhpY3VC0gFiQVVfeXFMT3dLNzdnTXc4ZXdHNUZCRkthMzJGd2l1TzN6azNwcm9kVnVqMmdBRUFEOE5QWGc3QmU2NUs4dkZnMHlEaTBkZzdZLVlPM0RjcEpfOUJlY0dYYXcxNExtMUZTT1E?oc=5) · Pulse 2.0

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58310 (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/6.json (key "58310", 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