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201 S. Jackson Street
Crystal Springs, MS 39059

Metropolitan Bank is headquartered in Crystal Springs and is the 9th largest bank in the state of Mississippi. It is also the 732nd largest bank in the nation. It was established in 1976 and as of March of 2014, it had grown to 131 employees at 11 locations. Metropolitan Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


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 had $3.58 million in non-current loans and owned real-estate with $77.96 million in equity and loan loss allowances on hand to cover it. This gives Metropolitan Bank a Texas Ratio of 4.59% 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 5.20% as of March 31, 2013 to 4.59% as of March 31, 2014, resulting in a positive change of 11.82%.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 $98.78 million, resulting in 14.42% 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.



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 $921.27 million in assets with $77.96 million in equity, resulting in a capitalization level of 8.46%, which is average.

Institution Statistics

FDIC Certificate #22346
Year Established1976
Primary RegulatorFDIC
Assets and Liabilities
Assets$921.27 million
Loans$570.67 million
Deposits$783.95 million
Equity Capital$71.71 million
Loan Loss Allowance$6.25 million
Unbacked Noncurrent Loans$812,000
Real Estate Owned$2.76 million
Historic Data - March 2013
Assets$766.10 million
Equity Capital$64.72 million
Loan Loss Allowance$5.65 million
Unbacked Noncurrent Loans$812,000
Real Estate Owned$963,000
Profit Margin - Quarterly
Net Interest Margin2.94%
Return on Assets0.43%
Return on Equity5.24%
Interest Income$6.95 million

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Metropolitan Bank Locations
Ridgeland Area Mobile1069 Highland Colony ParkwayRidgeland, MS 39157
Metropolitan Bank Branch1069 Highland Colony ParkwayRidgeland, MS 39157
Metropolitan Bank Branch1612 Westgate Circle, Suite 222Brentwood, TN 37027
Memphis Area Mobile Branch1661 Aaron Brenner DriveMemphis, TN 38120
Metropolitan Bank1661 Aaron Brenner Drive, Suite 100Memphis, TN 38120
Metropolitan Bank201 S. Jackson StreetCrystal Springs, MS 39059
Rankin Branch3500 Lakeland Drive, Suite 501Flowood, MS 39232
Poplar Avenue Branch5264 Poplar AvenueMemphis, TN 38119
Hazlehurst Branch649 North Caldwell DriveHazlehurst, MS 39083