2 star ratingAverage User Rating:
2 star rating based on 3 reviews.

Metropolitan National Bank (AR)

Metropolitan National Bank (AR) Locations
425 West Capitol
Little Rock, AR 72201
www.metbank.com

FDIC

Metropolitan National Bank (AR) is headquartered in Little Rock and is the 10st largest bank in the state of Arkansas. It is also the 646th largest bank in the nation. It was established in 1970 and as of March of 2013, it had grown to 407 employees at 45 locations. Metropolitan National Bank (AR) has a 2-star health rating.


Data for Q1 2013


Institution Statistics


Metropolitan National Bank
FDIC Certificate #20280
BankRate ReportView
Year Established1970
Employees407
Primary RegulatorOCC

Assets and Liabilities

Assets$1.03 billion
Loans$482.73 million
Deposits$879.85 million
Equity Capital$65.73 million
Loan Loss Allowance$18.10 million
Unbacked Noncurrent Loans$31.31 million
Real Estate Owned$70.65 million

Historic Data - March 2012

Assets$1.03 billion
Equity Capital$65.45 million
Loan Loss Allowance$26.95 million
Unbacked Noncurrent Loans$76.75 million
Real Estate Owned$92.39 million

Profit Margin - Quarterly

Net Interest Margin3.35%
Return on Assets0.26%
Return on Equity4.03%
Interest Income$7.84 million

Institution Health


Overall Score:
2 out of 5
2
Texas Ratio1
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, 2013 Metropolitan National Bank (AR) had $101.95 million in non-current loans and owned real-estate with $83.83 million in equity and loan loss allowances on hand to cover it. This gives Metropolitan National Bank (AR) a Texas Ratio of 121.63% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Metropolitan National Bank (AR) decreased slightly from 183.05% as of March 31, 2012 to 121.63% as of March 31, 2013, resulting in a positive change of 33.56%.This indicates that the balance sheet and financial strength for Metropolitan National Bank (AR) has improved slightly in recent periods.
Deposit Growth2
In the past year, Metropolitan National Bank (AR) has decreased its total deposits by -$23.45 million, resulting in -2.6% 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 National Bank (AR) has shown is below average.
Capitalization3
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 National Bank (AR) has $1.03 billion in assets with $83.83 million in equity, resulting in a capitalization level of 8.18%, which is average.
Write Review

Terrible Bank
1 stars - cmoy - Monday, July 9, 2012 - 2:03 PM

worst bank, horrible customer service.

fraudulent charge on my acct- told me they couldn't verify I didn't receive the merchandise.

Melissa at the JFK north little rock location basically called me a liar. Are you serious?

avoid them, go to centennial bank.

4

AVOID MET BANK!
1 stars - Anonymous - Tuesday, July 10, 2012 - 1:02 PM

I have had the worst banking experience in my life with this institution. They have started charging me a monthly service fee in the last 4 - 5 months. They charge you for using a foreign ATM on top of the fee you pay to the other institution. They charge 29.00 for overdraft, which you will pay twice if this happens. The bill pay system is set up to pay the debtor THEN check the account for funds instead of checking for funds BEFORE issuing the payment. I have another account with Amarillo National Bank that has NEVER given me ANY of these issues. I only wanted to get a bank near where I live. They WILL take advantage of you and try to make you feel subhuman.

1

We Love Our Bank!
4 stars - Anonymous - Thursday, June 14, 2012 - 12:43 PM

My wife and I have had both personal and business checking accounts and a savings account with Metropolitan National Bank for about 5 years now. We also have a safe deposit box at our local branch. The employees at our local branch know us by name and are always very friendly. We have had zero issues with any of our accounts and have been nothing but happy with all of the services that we have used. We HIGHLY recommend Metropolitan!

1
 
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