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Overview / Commentary
1249 Market St
Lemoyne, PA 17043

Metro Bank is headquartered in Lemoyne and is the 13st largest bank in the state of Pennsylvania. It is also the 269th largest bank in the nation. It was established in 1985 and as of March of 2014, it had grown to 918 employees at 33 locations. Metro Bank has a C+ health rating.

Reviews (7)

Crooks-Like Every Other Retail Bank.

This bank is horrible! Arrogant managers thar really have no decision making power.  Like most retail banks they are cheating the "everyday customer" out of billions of dollars in NSF, Unavailable funds fees. If there is an issue with your account they will be sure to process the largest check amount first to ensure they can steal as much money from you as possible. WAKE UP AMERICA! Every time you get screwed make a stink about it.  Don't feel embarrsed as the banks should be emabarrased.  HOUND THE POLITICIANS TO GET OFF THEIR COLLECTIVE A$$#S and to something for a change! Crooked industry that operates in towns and cities all over America like they're an upstanding and above board business all the while cheating consumers at every turn. METRO BANK IS NO DIFFERENT - probably one of the worst!

They're Great... Until You Have A Problem.

I have used Metro Bank for over a year now. It seemed great, longer business hours than the other surrounding banks, they promised to make my paychecks available immediately (I don't have direct deposit) and a nice professional looking place. All went pretty well for most of the year but in the past month they seem to have lost all ability to handle my money. All of a sudden they were having trouble with my paychecks going through correctly and it seemed like I had constant issues. No one was helpful in resolving the issues. My most recent issue is they released funds for a check I deposited, but then (half a day later, after I made payments with it) they decided that they needed to take that money back and put a longer hold on it. I called them to see what was up and all the way up through the manager, no one cared and would not even take any responsibiity for the mistake. As soon as it is all cleared up I will be closing my account with them and going elsewhere.

Unethical, Arrogant And Zero Integrity

Absolutely horrible! Arrogant and outright dumb managers at some of the branches who really have no power to actually do anything other then read out of the policy manual. I've tried to have them explain my statement to me on an "uncollected funds" issue....not NFS funds mind you but "uncollected funds" and they don't even understand it. A huge revenue stream though by screwing their own long term customers. The "Tell the Chairman" link on the website is a joke as one of his lackey's will call you if your lucky and just give you the smoke and mirrors explanations about the punitive fees, etc. Honor, integrity and business ethics in the banking industry doesn't exist anymore (if it ever did) and Metro Bank is leading the way. In my opinion - a cowardly organization.

Horrible Customer Service/Teller Experience

This bank located on Market st in Lemoyne is very racist. The tellers really think they can get away with treating people poorly! My son who is eighteen years old was Given such a difficult time to open his account. They kept asking him for proof of address. Well he had documents, AND two correspondence from the branch. They mailed it to our home. Then told him this wasn't proof? OK, so let me get this right, you were handed two letters from your bank that he clearly received, but yet you told him now he needs a rental agreement. Hmmmm well, what 18yr old that is working and going to school, and still lives at home can furnish a rental agreement? Wow, you Kathy, and the rest of your incompetent followers need to do better. You are not following the rules of Anyone but your own made up B.S. your nothing less than a bunch of miserable corrupt overweight racist. Don't worry, I will be helping him this week by becoming a member of Members 1st FCU who Im very pleased with!

Great Bank! Open All The Time. It Feels Great Not Banking With A "Top 5 Bailout Bank" Anymore.

Great Bank! Open all the time.  It feels great not banking with a "top 5 bailout bank" anymore.

The Best Bank

I have been a member of metro bank for more than 10 years. They used to be called commerce bank but are now metro bank and have been for nearly 2 years I would say. Regardless of the name change the same great service has been given since the switch. They have great hours. They are open late every night of the week and saturdays atleast through the drive through and are open for a few hours on sundays. They also have free checking accounts that are really FREE! Everytime I have had a problem they have always resolved it for me. I have never really had any bad experiences at this bank and I would recommend it to anyone.

Metro Bank Is Pretty Good.

I used to have problems with this bank years ago when it was called Commerce Bank. They would always have issues depositing my checks on time and I would be without money for days on end after getting paid from my job. I ended up closiing the account and going to another bank. Then, two years ago, I opened up another account with them becuase that is who my employer's checks were through. I also had problems in the beginning with this account. There was a time when I went to the teller inside to withdraw money. I put in a withdraw slip for $100 and instead of validating it for the $100, they validated it for $140 and took $140 out of my account. Then when I tried to pay a bill I was forty dollars short of my account and could not figure out why. It took going to several branches asking for help from about 8 different employees until the one girl actually sat down and figured it out by looking at the images of the withdraw slip they had in the computer system. Other than that, I have not had any problems with the bank. They keep my account open now even though I only ever have $5 or less in it.


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 had $44.06 million in non-current loans and owned real-estate with $270.21 million in equity and loan loss allowances on hand to cover it. This gives Metro Bank a Texas Ratio of 16.31% 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 experienced no significant changes from 15.98% as of March 31, 2013 to 16.31% as of March 31, 2014, resulting in a negative change of 2.02%. This indicates that the balance sheet and financial strength for Metro Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Metro Bank has decreased its total deposits by -$3.76 million, resulting in -0.17% 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 has shown is average.



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 has $2.85 billion in assets with $270.21 million in equity, resulting in a capitalization level of 9.48%, which is average.

Institution Statistics

FDIC Certificate #26255
Year Established1985
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.85 billion
Loans$1.78 billion
Deposits$2.21 billion
Equity Capital$246.27 million
Loan Loss Allowance$23.93 million
Unbacked Noncurrent Loans$40.07 million
Real Estate Owned$3.99 million
Historic Data - March 2013
Assets$2.61 billion
Equity Capital$240.87 million
Loan Loss Allowance$27.47 million
Unbacked Noncurrent Loans$40.07 million
Real Estate Owned$2.68 million
Profit Margin - Quarterly
Net Interest Margin3.67%
Return on Assets0.75%
Return on Equity8.74%
Interest Income$25.81 million

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Metro Bank has 33 locations. Click to view all Metro Bank locations.