MetroBank

9600 Bellaire Blvd., Suite 252
Houston, TX 77036
713-776-3876
www.metrobank-na.com

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MetroBank is committed to providing innovative products and services to area businesses and the culturally diverse communities of Texas.

3.50% Installment Savings Account for Terms of 1 to 3 Years at MetroBank - Texas Only - 3/24/2009

MetroBank, N.A. is offering a special type of savings account called the Smart Choice Installment Savings Account. Instead of making one initial deposit, you agree to monthly deposits. At maturity, the balance equals the sum of all the deposits plus the...

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

MetroBank Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$1k	-	NOW Account

MetroBank Savings Account Rates

	Apy	Min	Max	Product
	0.10%	$100	-	Savings Account

MetroBank Money Market Rates

	Apy	Min	Max	Product
	0.25%	$25k	-	Money Market Account

MetroBank CD Rates

Apy	Min	Max	Product
1.25%	$100k	-	5 Year CD
1.00%	$100k	-	3 Year CD
0.70%	$500k	-	2 Year CD
0.70%	$500k	-	30 Month CD
0.65%	$500k	-	18 Month CD
0.60%	$500k	-	1 Year CD
0.35%	$500k	-	180 Day CD
0.20%	$100k	-	90 Day CD
0.05%	$500	-	30 Day CD

MetroBank IRA Rates

Apy	Min	Max	Product
0.60%	-	-	24 Month IRA
0.50%	-	-	12 Month IRA
0.50%	-	-	18 Month IRA

Rates updated: 6/19/2013

Data for Q1 2013

Institution Statistics

MetroBank, National Association
FDIC Certificate #	26937
BankRate Report	View
Year Established	1987
Employees	228
Primary Regulator	OCC
Assets and Liabilities
Assets	$1.15 billion
Loans	$767.62 million
Deposits	$966.74 million
Equity Capital	$146.00 million
Loan Loss Allowance	$15.64 million
Unbacked Noncurrent Loans	$14.06 million
Real Estate Owned	$11.79 million
Historic Data - March 2012
Assets	$1.11 billion
Equity Capital	$136.39 million
Loan Loss Allowance	$20.91 million
Unbacked Noncurrent Loans	$26.74 million
Real Estate Owned	$13.33 million
Profit Margin - Quarterly
Net Interest Margin	3.72%
Return on Assets	1.07%
Return on Equity	8.41%
Interest Income	$10.87 million

Institution Health

Overall Score:

4 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 March 31, 2013 MetroBank had $25.85 million in non-current loans and owned real-estate with $161.64 million in equity and loan loss allowances on hand to cover it. This gives MetroBank a Texas Ratio of 15.99% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for MetroBank decreased slightly from 25.47% as of March 31, 2012 to 15.99% as of March 31, 2013, resulting in a positive change of 37.21%.This indicates that the balance sheet and financial strength for MetroBank has improved slightly in recent periods.
Deposit Growth
In the past year, MetroBank has increased its total deposits by $31.37 million, resulting in 3.35% 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 MetroBank 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. MetroBank has $1.15 billion in assets with $161.64 million in equity, resulting in a capitalization level of 14.09%, which is excellent.