Metro Phoenix Bank

4686 E Van Buren, Suite 190
Phoenix, AZ 85008
602-346-1800
www.metrophoenixbank.com

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Metro Phoenix Bank is headquartered in Phoenix and is the 25^th largest bank in the state of Arizona. It is also the 5,927^th largest bank in the nation. It was established in 2007 and as of September of 2011, it had grown to 22 employees at 1 location. Metro Phoenix Bank has a 3-star health rating.

Competitive Mid- and Long-Term CD Rates at Metro Phoenix Bank - Local Only - 2/9/2010

Metro Phoenix Bank is offering some competitive mid- and long-term CD rates: 2.52% APY 24-month CD 2.78% APY 36-month CD 3.03% APY 48-month CD 3.54% APY 60-month CD These rates a ...

2.52% 12-Month CD and a Competitive Money Market Account at Metro Phoenix Bank - Local Only - 7/7/2009

Update 7/19/09: The 12-month CD rate has fallen to 2.02% APY. Please check the bank's website for the latest rates.Metro Phoenix Bank is offering some competitive CD and IRA rates. The best deals are a 2.52% APY 12-month CD and a 2.78% APY 24-month CD....

4.06% 12-Month CD at Metro Phoenix Bank - 12/26/2008

Metro Phoenix Bank is listing some competitive CD rates. These include a 4.06% APY 12-month CD and a 4.32% APY 24-month CD. The longer term CDs have APY's of 4.37% to 4.47%. The money market account rates are also competitive with an APY of 2.53% for up...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Metro Phoenix Bank Checking Account Rates

	Apy	Min	Max	Product
	0.25%	$10k	-	Metro NOW Account

Metro Phoenix Bank Savings Account Rates

	Apy	Min	Max	Product
	0.35%	-	-	Metro Savings

Metro Phoenix Bank Money Market Rates

Apy	Min	Max	Product
0.95%	$1m	-	Personal Metro Money Market
0.95%	$1m	-	Business Metro Money Market

Metro Phoenix Bank CD Rates

Apy	Min	Max	Product
1.86%	$5k	-	60 Month CD
1.86%	$5k	-	Business 60 Month CD
1.55%	$5k	-	48 Month CD
1.55%	$5k	-	Business 48 Month CD
1.45%	$5k	-	36 Month CD
1.45%	$5k	-	Business 36 Month CD
1.25%	$5k	-	24 Month CD
1.25%	$5k	-	Business 24 Month CD
1.00%	$5k	-	18 Month CD
1.00%	$5k	-	Business 18 Month CD
0.80%	$5k	-	12 Month CD
0.80%	$5k	-	Business 12 Month CD
0.65%	$5k	-	6 Month CD
0.65%	$5k	-	Business 6 Month CD
0.35%	$5k	-	3 Month CD
0.35%	$5k	-	Business 3 Month CD

Metro Phoenix Bank IRA Rates

Apy	Min	Max	Product
1.86%	$2k	-	60 Month IRA
1.55%	$2k	-	48 Month IRA
1.45%	$2k	-	36 Month IRA
1.25%	$2k	-	24 Month IRA
1.00%	$2k	-	18 Month IRA
0.80%	$2k	-	12 Month IRA
0.65%	$2k	-	6 Month IRA
0.35%	$2k	-	3 Month IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Metro Phoenix Bank
FDIC Certificate #	58402
BankRate Report	View
Year Established	2007
Employees	22
Primary Regulator	FDIC
Assets and Liabilities
Assets	$65.95 million
Loans	$41.71 million
Deposits	$56.92 million
Equity Capital	$8.47 million
Loan Loss Allowance	$2.25 million
Unbacked Noncurrent Loans	$2.85 million
Real Estate Owned	$1.97 million
Historic Data - September 2010
Assets	$71.00 million
Equity Capital	$10.91 million
Loan Loss Allowance	$1.60 million
Unbacked Noncurrent Loans	$6.15 million
Profit Margin - Quarterly
Net Interest Margin	4.16%
Return on Assets	-0.84%
Return on Equity	-6.14%
Interest Income	$2.25 million

Institution Health

Overall Score:

3 out of 5

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 September 30, 2011 Metro Phoenix Bank had $4.82 million in non-current loans and owned real-estate with $10.72 million in equity and loan loss allowances on hand to cover it. This gives Metro Phoenix Bank a Texas Ratio of 44.92% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Metro Phoenix Bank held steady from 49.15% as of September 30, 2010 to 44.92% as of September 30, 2011, resulting in a positive change of 8.61%.This indicates that the balance sheet and financial strength for Metro Phoenix Bank has held steady in recent periods.
Deposit Growth
In the past year, Metro Phoenix Bank has increased its total deposits by $1.96 million, resulting in 3.57% 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 Phoenix Bank has shown is above average.
Capitalization
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 Phoenix Bank has $65.95 million in assets with $10.72 million in equity, resulting in a capitalization level of 16.26%, which is excellent.