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Overview / Commentary
510-834-1933
250 East 18th Street
Oakland, CA 94606

Metropolitan Bank (CA) is headquartered in Oakland and is the 178th largest bank in the state of California. It is also the 3,978th largest bank in the nation. It was established in 1983 and as of March of 2014, it had grown to 39 employees at 4 locations. Metropolitan Bank (CA) has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Metropolitan Bank (CA) had $2.85 million in non-current loans and owned real-estate with $17.71 million in equity and loan loss allowances on hand to cover it. This gives Metropolitan Bank (CA) a Texas Ratio of 16.08% 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 Metropolitan Bank (CA) decreased dramatically from 31.57% as of March 31, 2013 to 16.08% as of March 31, 2014, resulting in a positive change of 49.07%.This indicates that the balance sheet and financial strength for Metropolitan Bank (CA) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Metropolitan Bank (CA) has increased its total deposits by $5.59 million, resulting in 5.09% 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 Metropolitan Bank (CA) has shown is excellent.

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. Metropolitan Bank (CA) has $135.44 million in assets with $17.71 million in equity, resulting in a capitalization level of 13.08%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #25869
Year Established1983
Employees39
Primary RegulatorFDIC
Assets and Liabilities
Assets$135.44 million
Loans$100.06 million
Deposits$115.46 million
Equity Capital$14.44 million
Loan Loss Allowance$3.27 million
Unbacked Noncurrent Loans$2.85 million
Real Estate Owned$0
Historic Data - March 2013
Assets$127.92 million
Equity Capital$13.34 million
Loan Loss Allowance$3.22 million
Unbacked Noncurrent Loans$2.85 million
Real Estate Owned$975,000
Profit Margin - Quarterly
Net Interest Margin4.33%
Return on Assets1.46%
Return on Equity13.38%
Interest Income$1.53 million
Rates

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Metropolitan Bank (CA) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k-Health Savings Account
0.10%$50k-Business Savings
0.10%$5k-Super Saver
0.05%$300-Regular Savings

Metropolitan Bank (CA) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$150k-Money Market

Metropolitan Bank (CA) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$2,500-Super Interest Checking
0.05%$1k-Interest Checking
0.05%$1k-Business Interest Checking

Metropolitan Bank (CA) CD Rates

DetailsAPYMINMAXPRODUCT
1.50%$2,500-5 Year CD
0.90%$2,500-4 Year CD
0.80%$2,500-3 Year CD
0.60%$2,500-2 Year CD
0.35%$50k$88k12 Month Jumbo CD
0.30%$2,500-12 Month CD
0.25%$50k$88k6 Month Jumbo CD
0.20%$2,500-6 Month CD
0.15%$50k$88k3 Month Jumbo CD
0.10%$2,500-3 Month CD

Metropolitan Bank (CA) IRA Rates

DetailsAPYMINMAXPRODUCT
0.70%$1k-12 Month IRA
0.70%$1k-2 Year IRA
0.70%$1k-3 Year IRA
0.70%$1k-4 Year IRA
0.70%$1k-5 Year IRA
Locations


Metropolitan Bank (CA) Locations
San Francisco Branch1351 Powell StreetSan Francisco, CA 94133
San Jose Branch1816 Tully Road, No. 192San Jose, CA 95122
Metropolitan Bank250 East 18th StreetOakland, CA 94606
Oakland Chinatown Branch381 8th StreetOakland, CA 94607