| Metric | Metro Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +5.5% | -2.6 pts |
| Deposit growth (YoY) | +2.0% | +5.1% | -3.0 pts |
| Loan growth (YoY) | +1.9% | +5.9% | -4.0 pts |
| ROA | 1.41% | 1.26% | +0.2 pts |
| ROE | 10.1% | 12.2% | -2.1 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.18B | $1.01B | $587.3M | $170.4M | $8.4M | 1.41% | 3.50% | 0.81% |
| Q1 2026 | $1.20B | $1.02B | $584.3M | $165.6M | $3.5M | 1.17% | 3.36% | 0.89% |
| Q4 2025 | $1.18B | $1.01B | $587.8M | $162.0M | $18.0M | 1.57% | 3.65% | 0.78% |
| Q3 2025 | $1.15B | $979.7M | $587.6M | $162.7M | $13.9M | 1.62% | 3.66% | 0.17% |
| Q2 2025 | $1.15B | $985.2M | $576.1M | $156.8M | $9.0M | 1.58% | 3.59% | 0.29% |
| Q1 2025 | $1.14B | $977.1M | $555.8M | $152.1M | $4.3M | 1.53% | 3.54% | 0.38% |
| Q4 2024 | $1.13B | $970.8M | $553.9M | $147.2M | $16.4M | 1.52% | 3.53% | 0.43% |
| Q3 2024 | $1.11B | $946.3M | $544.0M | $156.8M | $12.2M | 1.53% | 3.50% | 0.33% |
Loan mix (Q2 2026): real estate $531.9M · commercial $39.0M · consumer $19.9M · securities $396.7M
| Ratio | Metro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.26% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 12.2% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 59.0% | 25th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Metro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Metro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Metro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Metro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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