Metropolitan Bank (CA)

Overview / Commentary

www.metropolitanbankca.com

510-834-1933

250 East 18th Street
Oakland, CA 94606

Metropolitan Bank (CA) is headquartered in Oakland and is the 131^st largest bank in the state of California. It is also the 3,071^st largest bank in the nation. It was established in 1983 and as of September of 2019, it had grown to 40 employees at 4 locations. Metropolitan Bank (CA)'s money market rates are 3X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	25869
Year Established	1983
Employees	40
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.96%
Return on Equity - YTD	8.3%
Annual Interest Income	$7.1MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$179.8MM$170.6MM
Loans	Q3 2019vs Q3 2018	$133.5MM$135.6MM
Deposits	Q3 2019vs Q3 2018	$150.5MM$143.6MM
Equity Capital	Q3 2019vs Q3 2018	$21.3MM$19.1MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$2.5MM$2.4MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$233.00K$705.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Metropolitan Bank (CA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	$5k	-	Super Saver
0.20%^*	$100k^*	-	Health Savings Account
OTHER TIERS: 0.05% → $1k - $25k \| 0.10% → $25k - $100k
0.10%^*	$50k^*	-	Business Savings
OTHER TIERS: 0.05% → $1k - $50k
0.05%	$300	-	Regular Savings

Metropolitan Bank (CA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%^*	$150k^*	-	Money Market
OTHER TIERS: 0.05% → $2.5k - $25k \| 0.10% → $25k - $100k \| 0.20% → $100k - $150k

Metropolitan Bank (CA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$2.5k	-	Super Interest Checking
0.05%	$1k	-	Interest Checking
0.05%	$1k	-	Business Interest Checking

Metropolitan Bank (CA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$2.5k	-	4 Year CD
0.90%	$2.5k	-	5 Year CD
0.80%	$2.5k	-	3 Year CD
0.60%	$2.5k	-	2 Year CD
0.35%	$50k	$88k	12 Month Jumbo CD
0.30%	$2.5k	-	12 Month CD
0.25%	$50k	$88k	6 Month Jumbo CD
0.20%	$2.5k	-	6 Month CD
0.15%	$50k	$88k	3 Month Jumbo CD
0.10%	$2.5k	-	3 Month CD

Metropolitan Bank (CA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%	$1k	-	12 Month IRA
0.70%	$1k	-	2 Year IRA
0.70%	$1k	-	3 Year IRA
0.70%	$1k	-	4 Year IRA
0.70%	$1k	-	5 Year IRA

Locations

Metropolitan Bank (CA) Locations
San Francisco Branch	1351 Powell Street	San Francisco, CA 94133
San Jose Branch	1816 Tully Road, No. 192	San Jose, CA 95122
Metropolitan Bank	250 East 18th Street	Oakland, CA 94606
Oakland Chinatown Branch	381 8th Street	Oakland, CA 94607

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