| Metric | Metro City Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.7% | +5.5% | +18.3 pts |
| Deposit growth (YoY) | +29.5% | +5.1% | +24.4 pts |
| Loan growth (YoY) | +26.5% | +5.9% | +20.6 pts |
| ROA | 1.94% | 1.26% | +0.7 pts |
| ROE | 17.8% | 12.2% | +5.6 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.47B | $3.53B | $3.93B | $515.0M | $44.6M | 1.94% | 4.08% | 0.42% |
| Q1 2026 | $4.63B | $3.66B | $3.98B | $501.2M | $22.4M | 1.92% | 4.04% | 0.39% |
| Q4 2025 | $4.71B | $3.67B | $4.04B | $489.2M | $68.7M | 1.79% | 3.61% | 0.56% |
| Q3 2025 | $3.63B | $2.73B | $3.18B | $443.4M | $50.5M | 1.86% | 3.70% | 0.38% |
| Q2 2025 | $3.61B | $2.72B | $3.11B | $433.5M | $33.2M | 1.84% | 3.69% | 0.42% |
| Q1 2025 | $3.64B | $2.77B | $3.15B | $425.3M | $16.3M | 1.81% | 3.59% | 0.51% |
| Q4 2024 | $3.58B | $2.76B | $3.14B | $418.7M | $64.7M | 1.82% | 3.52% | 0.52% |
| Q3 2024 | $3.56B | $2.75B | $3.08B | $405.3M | $48.4M | 1.81% | 3.50% | 0.44% |
Loan mix (Q2 2026): real estate $3.88B · commercial $85.5M · consumer $94K · securities $44.7M
| Ratio | Metro City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 1.26% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 17.8% | 12.2% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.3% | 59.0% | 8th |
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 City 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 City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Metro City 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 City 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 City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
20 branches in 14 counties across 7 states (+0 vs 2024) · $2.72B branch deposits. Biggest market: DeKalb, GA, ranked 5th with 6.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| DeKalb, GA | 1 | $1.15B | 6.19% | 5th |
| Gwinnett, GA | 5 | $749.7M | 2.77% | 7th |
| Fulton, GA | 1 | $187.0M | 0.14% | 31st |
| 11 more counties with Pro → | ||||
Georgia: 20th with 0.60% · Alabama: 105th with 0.13% · Texas: 484th with 0.01% · Virginia: 140th with 0.02% · New York: 256th with 0.00% · New Jersey: 150th with 0.01% · Florida: 288th with 0.00% · Atlanta-Sandy Springs-Roswell metro: 16th, 0.84% · Auburn-Opelika metro: 11th, 3.05% ·
Branch count: 2022 19 · 2023 20 · 2024 20 · 2025 20