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



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

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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...



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

MetroBank Checking Account Rates

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0.10%$1k-NOW Account

MetroBank Savings Account Rates

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0.10%$100-Savings Account

MetroBank Money Market Rates

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0.45%$100k-Money Market Account

MetroBank CD Rates

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1.40%$100k-5 Year CD
1.10%$100k-3 Year CD
0.90%$500k-2 Year CD
0.90%$500k-30 Month CD
0.80%$100k-18 Month CD
0.70%$500k-1 Year CD
0.40%$500k-180 Day CD
0.20%$100k-90 Day CD
0.05%$500-30 Day CD

MetroBank IRA Rates

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0.80%--24 Month IRA
0.70%--18 Month IRA
0.60%--12 Month IRA

Rates updated: 2/10/2012

Data for Q3 2011


Institution Statistics


MetroBank, National Association
FDIC Certificate #26937
BankRate ReportView
Year Established1987
Employees224
Primary RegulatorOCC

Assets and Liabilities

Assets$1.11 billion
Loans$737.31 million
Deposits$943.14 million
Equity Capital$131.01 million
Loan Loss Allowance$22.82 million
Unbacked Noncurrent Loans$29.01 million
Real Estate Owned$21.38 million

Historic Data - September 2010

Assets$1.16 billion
Equity Capital$128.63 million
Loan Loss Allowance$24.01 million
Unbacked Noncurrent Loans$53.75 million
Real Estate Owned$14.29 million

Profit Margin - Quarterly

Net Interest Margin4.12%
Return on Assets0.84%
Return on Equity7.2%
Interest Income$38.40 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio2
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 MetroBank had $50.39 million in non-current loans and owned real-estate with $153.82 million in equity and loan loss allowances on hand to cover it. This gives MetroBank a Texas Ratio of 32.76% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for MetroBank decreased slightly from 44.58% as of September 30, 2010 to 32.76% as of September 30, 2011, resulting in a positive change of 26.51%.This indicates that the balance sheet and financial strength for MetroBank has improved slightly in recent periods.
Deposit Growth1
In the past year, MetroBank has decreased its total deposits by -$56.05 million, resulting in -5.61% 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 poor.
Capitalization5
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 $1.11 billion in assets with $153.82 million in equity, resulting in a capitalization level of 13.84%, which is excellent.
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