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Overview / Commentary
713-776-3876
9600 Bellaire Blvd., Suite 252
Houston, TX 77036

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

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B+

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 MetroBank had $20.7 million in non-current loans and owned real-estate with $150.59 million in equity and loan loss allowances on hand to cover it. This gives MetroBank a Texas Ratio of 13.74% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for MetroBank decreased dramatically from 20.26% as of December 31, 2012 to 13.74% as of December 31, 2013, resulting in a positive change of 32.16%.This indicates that the balance sheet and financial strength for MetroBank has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, MetroBank has increased its total deposits by $24.53 million, resulting in 2.61% 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

GRADE:
A+

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 $150.59 million in equity, resulting in a capitalization level of 13.10%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #26937
Year Established1987
Employees205
Primary RegulatorOCC
Assets and Liabilities
Assets$1.15 billion
Loans$828.60 million
Deposits$963.49 million
Equity Capital$137.76 million
Loan Loss Allowance$12.84 million
Unbacked Noncurrent Loans$11.32 million
Real Estate Owned$9.37 million
Historic Data - December 2012
Assets$1.12 billion
Equity Capital$143.40 million
Loan Loss Allowance$17.01 million
Unbacked Noncurrent Loans$11.32 million
Real Estate Owned$11.86 million
Profit Margin - Quarterly
Net Interest Margin3.81%
Return on Assets0.72%
Return on Equity5.9%
Interest Income$44.93 million
Rates

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Locations

MetroBank has 14 locations. Click to view all MetroBank locations.