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Overview / Commentary
406 West Avalon Avenue
Muscle Shoals, AL 35661

First Metro Bank is headquartered in Muscle Shoals and is the 19th largest bank in the state of Alabama. It is also the 1,263rd largest bank in the nation. It was established in 1988 and as of December of 2016, it had grown to 110 employees at 8 locations. First Metro Bank has an A health rating.

Reviews (4)

Hey HUNNNNN! Hometown Tuscumbia Bank Next To Courthouse

There is an older lady on the drive thru lanes in Tuscumbia that is adorable!  She goes out of her way to talk with you while your transaction is being processed.  She even had a small treat for my yorkie!

One Of The Good Ones Left!

Posted by: Rob35661 | Jan 23, 2012

First Metro Bank is one of the very few "hometown" banks left!  When you call you get a human!


Loan Officers That Care

Posted by: JohninFL | Jan 9, 2012

First Metro cares about its customers. When I lost my job, I went in and talked with my loan officer about the situation.  They worked with me and I will never bank anywhere else!

First Metro Bank In Muscle Shoals Sucks

Posted by: alexmcc | Nov 15, 2011

we started using them at the beginning of the year, everything s5arted out great except for my debit card was late and i didn't recieve a pin# until 2 months after i got my card! well, we took out a personal loan, made our payments early every month. my husband was recently starting a new job and were barely a few days late, and they went in our account took out money didn't notify us and charged us with a ton of overdraft fees that were not our fault. the customer service is aweful, excuses being my computer cant access that information. i have talked to several people be very rude rather than help you. i do NOT recommend this bank. they do not process your purchases so they can purposely charge and overdraft fee, then will not help or explain why they didnt process your purchases when they were supposed to. if you want to keep your hard earned money do NOT use this bank.


Health Grade Components

FDIC Certificate #27381
Year Established1988
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.38%
Return on Equity - YTD12.14%
Annual Interest Income$21.8MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$565.2MM$562.3MM
LoansQ4 2016vs Q4 2015$363.5MM$345.3MM
DepositsQ4 2016vs Q4 2015$498.7MM$499.5MM
Equity CapitalQ4 2016vs Q4 2015$65.0MM$61.2MM
Loan Loss AllowanceQ4 2016vs Q4 2015$2.6MM$2.5MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$579.00K$635.00K
Real Estate OwnedQ4 2016vs Q4 2015$364.00K$5.00K

Sorry, we do not have rate data for First Metro Bank.


First Metro Bank Locations
Lexington Branch11277 Highway 101Lexington, AL 35648
Russellville Branch15315 Highway 43Russellville, AL 35653
Florence Branch2708 Hough RoadFlorence, AL 35630
Main Street Branch301 North Main StreetTuscumbia, AL 35674
Pine Street Branch325 S Pine StreetFlorence, AL 35630
Cloverdale Road Branch3121 Cloverdale RoadFlorence, AL 35633
First Metro Bank406 West Avalon AvenueMuscle Shoals, AL 35661
Highway 43 Branch7400 Highway 43Florence, AL 35634