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9340 The Landing Drive
Douglasville, GA 30135

Metro Bank (GA) is headquartered in Douglasville and is the 81st largest bank in the state of Georgia. It is also the 3,072nd largest bank in the nation. It was established in 2008 and as of March of 2014, it had grown to 37 employees at 3 locations. Metro Bank (GA) has a B+ health rating.

Reviews (1)

Metrobank, Racist Bank

To all individuals and small businesses that believe that MetroBank is what they claim to be, please beware that they are racists.  After having a small business account for them for approximately 7-8 months, my account was summarily closed yesterday because they found out that I am of Cuban origin and have ties to my country of birth and my family.  The manager, a most unpleasant Nazi type female called me into her office and, with doors closed, drilled me in Guantanamo style with many questions and references to Cuba.  Thereafter, she informed me that "I was identified as a risk" - Yessir!  I hope everyone out there reads this post and steers clear of MetroBank, the racist bank of Georgia, particularly those of Latino origin.


PS:  They also just doubled their usury fees to fleece customers so they can raise a million bucks to build their new casino.  All of you suckers out there banking with the racist bank of Georgia will be paying for the construction of that house of iniquity.  Pull your accounts now and tell them what to do with themselves!


I'm giving them 1 star because I can't give them less but in my book they are a minus 5.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Metro Bank (GA) had $4.99 million in non-current loans and owned real-estate with $26.37 million in equity and loan loss allowances on hand to cover it. This gives Metro Bank (GA) a Texas Ratio of 18.92% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Metro Bank (GA) experienced no significant changes from 18.76% as of March 31, 2013 to 18.92% as of March 31, 2014, resulting in a negative change of 0.88%. This indicates that the balance sheet and financial strength for Metro Bank (GA) has had no significant changes in recent periods.

Deposit Growth


In the past year, Metro Bank (GA) has increased its total deposits by $32.92 million, resulting in 23.67% 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 Metro Bank (GA) has shown is excellent.



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. Metro Bank (GA) has $199.09 million in assets with $26.37 million in equity, resulting in a capitalization level of 13.24%, which is excellent.

Institution Statistics

FDIC Certificate #58653
Year Established2008
Primary RegulatorFDIC
Assets and Liabilities
Assets$199.09 million
Loans$139.09 million
Deposits$171.97 million
Equity Capital$24.75 million
Loan Loss Allowance$1.62 million
Unbacked Noncurrent Loans$1.32 million
Real Estate Owned$3.67 million
Historic Data - March 2013
Assets$163.72 million
Equity Capital$23.76 million
Loan Loss Allowance$1.83 million
Unbacked Noncurrent Loans$1.32 million
Real Estate Owned$2.84 million
Profit Margin - Quarterly
Net Interest Margin4.27%
Return on Assets0.58%
Return on Equity4.73%
Interest Income$2.18 million

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Metro Bank (GA) Locations
Kennesaw Branch2454 Kennesaw Due West RoadKennesaw, GA 30144
Metro Bank9340 The Landing DriveDouglasville, GA 30135