# METRO BANK
DOUGLASVILLE, GA · FDIC certificate 58653 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $210.5M | |
| Deposits | $182.4M | |
| Loans and leases | $154.2M | |
| Total equity | $25.8M | |
| Loans / deposits | 83.66% (p72 of band) | 71.50% |
| Liquid assets / assets | 20.42% (p21 of band) | |
| Uninsured deposits / deposits | 30.30% (p92 of band) | 13.21% |
| Brokered deposits | 2.58% | |
| Wholesale funding | 3.24% (p57 of band) | |
| FHLB advances / assets | 0.67% | |
| Tier 1 leverage | 11.35% (p64 of band) | 10.45% |
| Unrealized securities loss / equity | 0.62% (p53 of band) | 0.49% |
| AOCI / equity | 2.32% (p59 of band) | |
| ROA (annualized) | 0.70% (p43 of band) | 0.81% |
| Net interest margin | 4.29% (p82 of band) | 3.66% |
| Efficiency ratio | 74.89% (p53 of band) | |
| Noncurrent loans | 0.80% (p51 of band) | 0.76% |
| Net charge-offs (annualized) | -0.03% (p8 of band) | |
| Reserve coverage of noncurrent | 132.11% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 60.80% (p86 of band) | |
| Auto loans | $118,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, losing money |  |
| 2011-06 | 0 |  | brokered >10%, losing money |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 | reserve under noncurrent | capital falling |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |

## 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
- 2024-12-19 [Kraken decries crypto de-banking amid Metro Bank ban - Banking Dive](https://news.google.com/rss/articles/CBMimAFBVV95cUxNd29UUUJYazk5VmNfbERCelJNQXJGdDFNZnE3QV9XNUI4QXlFQjFHdG9QUW5iRWRXcXl3WE9pX0VpYXo5aVhhd2xrUHNvLXlSUnB6bVI3VFhtcjE5ZVdWblpianNPR0VqbllKODlqTDdGNy0xeG9NaG5mZG13TWgtSzhxY0I5b0pPYjRRQ0sxYzFKeTJjaVp4OA?oc=5) · Banking Dive
- 2026-07-29 [Matchday Guide: Falcons vs Glamorgan at Repton Metro Bank One Day Cup - Derbyshire County Cricket Club](https://news.google.com/rss/articles/CBMipgFBVV95cUxNRGFaTUtza2lCNWhRQkRubDZFN2ZsZnlmR2xuWHFQMjZrU0tBdDdJX0IyWUlmQnRSeVIxamZRTE54ckc4amRkaDRMRHoyMERhclJpRmdxTS1ram1jQTBOcjlqNTFPS2lVeE5QSWpsR0ctelp6ZXo5NjdIdmdBV1J6MlRZSzVsZVBIQURYOUM0UXk2M04zdEZ1WnRDbjZEYl9xQnM1OF9R?oc=5) · Derbyshire County Cricket Club
- 2026-05-01 [Metro Bank One Day Cup Preview: Warwickshire v Somerset - Somerset County Cricket Club](https://news.google.com/rss/articles/CBMipAFBVV95cUxQYmR2UVRLT1l3ODNTcmpERVZNbFNEbEI3NlhDcDdJWWNKZXBTMHZfaVM3VUVaR3kwbkhOaDRZTVVxa1dfeEJXZnNvWEJiTElkcG5JbDdjNENhT09GOEQwcUxGOHVRMWVHMThnT3EwOXBTUTNRMTBvSHozblNXWXdQb1pnNHlJa0QtYlNUOU81RWVGRGpNRjhlT1NVVkh3QWY2djhsSg?oc=5) · Somerset County Cricket Club
- 2026-04-08 [Women's Metro Bank One Day Cup Preview - Essex Cricket](https://news.google.com/rss/articles/CBMigwFBVV95cUxQMmpsTHFJUlVNNHYzWmVRWWdOZGxZS1RLRWhjc2FXVXdXWVV0M3I2YVdDbDBWZGQtelFSeExxcVhoMmVLeVM3SE1fRHZGR3JEbVUyRkktdHFhQ2Z4Y0Z6VTBtWjdodzZxclpaUDFjTjllS0dWc3YtZHJaLXBoWGZuNWVubw?oc=5) · Essex Cricket
- 2026-04-28 [Metro Bank One Day Cup: Hampshire v Surrey - The Kia Oval](https://news.google.com/rss/articles/CBMidEFVX3lxTE9jWkpURjRfMGwyQkZ3Qnc0c0Rla3VlaDhzSEJyOFFocTBhdEZISXlOUktEUWtSbnlLUFNHRVBXZjhQN3QxSkt3Y0dXNVJEaWRsMVd1M0htaXpsYkdlOFJuOUtHeDRIdWQ2WlpFUHlmV2VVdThy?oc=5) · The Kia Oval
- 2025-10-30 [Metro Bank selects Infosys, Workday to boost finance operations - Retail Banker International](https://news.google.com/rss/articles/CBMijwFBVV95cUxNcHoyWG5rcC1uOXFLZFlKX01HS1FjX2VSbWotR2JfTDZqZkpEY09kY2l4cTVlQml6cjFDQ1JjNnJ2NE5Sb1paZDVfdS14TkJDSFBEMGgzTV9OX21JWjFYc3owSHFNREVjaWJQWmloaFJXZlJ0WkMwWE5iN2JXZ2VPTF9zaXJ2Q3JNbWo3akFxTQ?oc=5) · Retail Banker International
- 2026-05-11 [MATCH REPORT | MIDDLESEX WOMEN V WORCESTERSHIRE WOMEN | METRO BANK ONE-DAY CUP - Middlesex Cricket](https://news.google.com/rss/articles/CBMitwFBVV95cUxPMGZXU2FkNVZmVTVFdldnZ1BteWp4OTJqNHBZOGpkQlhQdXJjSUs0YXF3bkcxbTktYkRUdXNfMERBa3lNbGxjdEhROTNTdS1ORy01bUZoazZvUUI2bGFndlRyT3JBdVBJM1dJRDFJRmM2LTZlcWx5RXNXOWxrRF80QmkyM01DZ0RZY0RVc3pYaG9LUmxBVHRKZ3oxbXV1WVBpRkhNRGZzZHJ2dFdYR0pna0dnTHRCUUE?oc=5) · Middlesex Cricket

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58653 (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/29.json (key "58653", 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