Institution Statistics
| Metropolitan Bank | | FDIC Certificate # | 22346 | | BankRate Report | View | | Year Established | 1976 | | Employees | 92 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $614.26 million | | Loans | $438.06 million | | Deposits | $536.77 million | | Equity Capital | $61.27 million | | Loan Loss Allowance | $5.12 million | | Unbacked Noncurrent Loans | $2.47 million | | Real Estate Owned | $1.04 million |
Historic Data - March 2011 | | Assets | $509.21 million | | Equity Capital | $56.04 million | | Loan Loss Allowance | $4.48 million | | Unbacked Noncurrent Loans | $3.26 million | | Real Estate Owned | $735,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.52% | | Return on Assets | 0.36% | | Return on Equity | 3.55% | | Interest Income | $6.13 million |
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Institution Health
Overall Score:
5 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, 2012 Metropolitan Bank had $3.51 million in non-current loans and owned real-estate with $66.38 million in equity and loan loss allowances on hand to cover it. This gives Metropolitan Bank a Texas Ratio of 5.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Metropolitan Bank decreased slightly from 6.60% as of March 31, 2011 to 5.29% as of March 31, 2012, resulting in a positive change of 19.90%.This indicates that the balance sheet and financial strength for Metropolitan Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Metropolitan Bank has increased its total deposits by $107.85 million, resulting in 25.15% 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 has shown is excellent. | | 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. Metropolitan Bank has $614.26 million in assets with $66.38 million in equity, resulting in a capitalization level of 10.81%, which is above average. |
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