Institution Statistics
| MetroBank, National Association | | FDIC Certificate # | 26937 | | BankRate Report | View | | Year Established | 1987 | | Employees | 224 | | Primary Regulator | OCC |
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 Margin | 4.12% | | Return on Assets | 0.84% | | Return on Equity | 7.2% | | Interest Income | $38.40 million |
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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 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 Trend |  | | 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 Growth |  | | 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. | | 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 $1.11 billion in assets with $153.82 million in equity, resulting in a capitalization level of 13.84%, which is excellent. |
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