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Overview / Commentary
9866 Garden Grove Boulevard
Garden Grove, CA 92844

US Metro Bank is headquartered in Garden Grove and is the 204th largest bank in the state of California. It is also the 4,995th largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 27 employees at 1 location. US Metro Bank has a B+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. US Metro Bank has a relatively low asset base.

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 US Metro Bank had $1.58 million in non-current loans and owned real-estate with $19.69 million in equity and loan loss allowances on hand to cover it. This gives US Metro Bank a Texas Ratio of 8.05% 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 US Metro Bank decreased dramatically from 63.02% as of March 31, 2013 to 8.05% as of March 31, 2014, resulting in a positive change of 87.23%.This indicates that the balance sheet and financial strength for US Metro Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, US Metro Bank has decreased its total deposits by -$3.54 million, resulting in -4.51% 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 US Metro Bank has shown is below average.



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. US Metro Bank has $89.42 million in assets with $19.69 million in equity, resulting in a capitalization level of 22.02%, which is excellent.

Institution Statistics

FDIC Certificate #58310
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$89.42 million
Loans$48.17 million
Deposits$74.91 million
Equity Capital$14.22 million
Loan Loss Allowance$5.47 million
Unbacked Noncurrent Loans$774,000
Real Estate Owned$810,000
Historic Data - March 2013
Assets$87.42 million
Equity Capital$8.71 million
Loan Loss Allowance$4.94 million
Unbacked Noncurrent Loans$774,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.49%
Return on Assets-2.43%
Return on Equity-19.81%
Interest Income$657,000

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US Metro Bank Locations
US Metro Bank9866 Garden Grove BoulevardGarden Grove, CA 92844