1 star ratingAverage User Rating:
1 star rating based on 1 review.

Metcalf Bank

Metcalf Bank Locations
609 North 291 Highway
Lees Summit, MO 64063
(888) 860-7524
www.metcalfbank.com

Metcalf Bank is headquartered in Lees Summit and is the 18st largest bank in the state of Missouri. It is also the 571st largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 266 employees at 26 locations. Metcalf Bank has a 5-star health rating.

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Data for Q1 2012


Institution Statistics


Metcalf Bank
FDIC Certificate #26247
BankRate ReportView
Year Established1985
Employees266
Primary RegulatorFED

Assets and Liabilities

Assets$1.15 billion
Loans$779.29 million
Deposits$917.48 million
Equity Capital$196.55 million
Loan Loss Allowance$15.32 million
Unbacked Noncurrent Loans$3.94 million
Real Estate Owned$11.94 million

Historic Data - March 2011

Assets$1.17 billion
Equity Capital$192.50 million
Loan Loss Allowance$14.00 million
Unbacked Noncurrent Loans$5.76 million
Real Estate Owned$9.56 million

Profit Margin - Quarterly

Net Interest Margin5.29%
Return on Assets1.31%
Return on Equity7.66%
Interest Income$12.93 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Metcalf Bank had $15.88 million in non-current loans and owned real-estate with $211.87 million in equity and loan loss allowances on hand to cover it. This gives Metcalf Bank a Texas Ratio of 7.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Metcalf Bank held steady from 7.40% as of March 31, 2011 to 7.49% as of March 31, 2012, resulting in a negative change of 1.25%. This indicates that the balance sheet and financial strength for Metcalf Bank has held steady in recent periods.
Deposit Growth3
In the past year, Metcalf Bank has decreased its total deposits by -$7.57 million, resulting in -0.82% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Metcalf Bank has shown is average.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Metcalf Bank has $1.15 billion in assets with $211.87 million in equity, resulting in a capitalization level of 18.38%, which is excellent.
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Worst Financial Instution I Have Ever Been Involved With
1 stars - TaggTeam - Tuesday, January 17, 2012 - 11:24 AM

They charge $3.00 to make a telephone transfer that takes them 2 mins to do.

  If a transaction goes through, they will hold the same amount on your account even though the transaction already has been taken out of the account.  If you go to use your debit card, even though the money is there, they will deny the transaction. 

One month, you have overdraft protection, the next month, you do not, so you never know if you do or don't. They will certainly give you overdraft protection if you have several transactions going through.  They will take the highest transaction through first and then charge you $30 per transaction whether it is $500 or $5. 

This bank was fine until someone knew took over.  They are the greediest bank institution I have ever dealt with.

DO NOT HAVE ANYTHING TO DO WITH THIS BANK.....THEY WILL TAKE YOUR MONEY EVERY CHANCE THEY GET!! 

10
 
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