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Overview / Commentary
5441 Buford Highway
Doraville, GA 30340

Metro City Bank is headquartered in Doraville and is the 24th largest bank in the state of Georgia. It is also the 1,300th largest bank in the nation. It was established in 2006 and as of December of 2013, it had grown to 82 employees at 7 locations. Metro City Bank has a A health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


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 December 31, 2013 Metro City Bank had $6.13 million in non-current loans and owned real-estate with $68.8 million in equity and loan loss allowances on hand to cover it. This gives Metro City Bank a Texas Ratio of 8.91% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Metro City Bank experienced no significant changes from 9.22% as of December 31, 2012 to 8.91% as of December 31, 2013, resulting in a positive change of 3.36%.This indicates that the balance sheet and financial strength for Metro City Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Metro City Bank has increased its total deposits by $41.62 million, resulting in 11.2% 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 City Bank 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 City Bank has $514.91 million in assets with $68.8 million in equity, resulting in a capitalization level of 13.36%, which is excellent.

Institution Statistics

FDIC Certificate #58181
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$514.91 million
Loans$425.37 million
Deposits$413.03 million
Equity Capital$61.29 million
Loan Loss Allowance$7.50 million
Unbacked Noncurrent Loans$2.97 million
Real Estate Owned$3.16 million
Historic Data - December 2012
Assets$464.39 million
Equity Capital$55.25 million
Loan Loss Allowance$6.46 million
Unbacked Noncurrent Loans$2.97 million
Real Estate Owned$4.82 million
Profit Margin - Quarterly
Net Interest Margin4.67%
Return on Assets2.08%
Return on Equity17.59%
Interest Income$24.08 million

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Metro City Bank Locations
Johns Creek Branch10820 Abbotts Bridge Road, Suite 140Johns Creek, GA 30097
Sugarloaf Branch1295 Old Peachtree Rd NW Ste 180Suwanee, GA 30024
Opelika Branch1805 Gateway DriveOpelika, AL 36801
Suwanee Branch2790 Lawrenceville-Suwanee Road, Suite 105Suwanee, GA 30024
Duluth Branch3725 Old Norcross RoadDuluth, GA 30096
Metro City Bank5441 Buford HighwayDoraville, GA 30340
Norcross Branch5495 Jimmy Carter Blvd, Ste 167Norcross, GA 30093