Metropolitan Bank (FDIC #25869): Bank Stress & Real-Estate Credit Exposure

Metropolitan Bank (FDIC Cert #25869): bank stress 67/100, elevated, STABLE over 7 days; parent MET FINANCIAL CORP.

Metropolitan Bank (#25869) lends in 3 counties across 1 state; Metropolitan Bank (#25869) reaches 144 ZIP codes: California 3 counties, 144 ZIPs.

Metropolitan Bank (#25869) largest markets: Santa Clara County, CA (63 branches, 63 ZIPs) (#25869), Alameda County, CA (106 branches, 53 ZIPs) (#25869), San Francisco County, CA (30 branches, 30 ZIPs) (#25869).

Metropolitan Bank (#25869) reports $230.2 million in total assets; Metropolitan Bank (#25869) equity $30.2 million (13.1% of Metropolitan Bank (#25869) assets); Metropolitan Bank (#25869) domestic deposits $194.7 million; Metropolitan Bank (#25869) net income $746,000; Metropolitan Bank (#25869) return on assets 0.64%; Metropolitan Bank (#25869) return on equity 4.96%; Metropolitan Bank (#25869) net interest income $4.2 million; Metropolitan Bank (#25869) call report June 30, 2026.

Metropolitan Bank (#25869) noncurrent real-estate loans: none reported; Metropolitan Bank (#25869) net charge-offs on real estate 0.00%.

Metropolitan Bank (#25869) net interest margin 3.85% against an eight-quarter Metropolitan Bank (#25869) average of 3.69% (Metropolitan Bank (#25869) compression -0.16 points); Metropolitan Bank (#25869) rate-exposure score 40/100, Metropolitan Bank (#25869) fixed-rate trap 40/100; Metropolitan Bank (#25869) risk type credit driven; Metropolitan Bank (#25869) rate regime rates elevated, Metropolitan Bank (#25869) snapshot October 19, 2026.

Metropolitan Bank (#25869) stress score moved from 66.2 on June 22, 2026 to 66.7 on October 19, 2026; Metropolitan Bank (#25869) ranged 66.2 to 66.7 over 116 snapshots.

Metropolitan Bank (#25869) alerts: 3 counties; top Metropolitan Bank (#25869) alert scores: San Francisco County, CA 43 (moderate); Oakland County, CA 22 (low); San Jose County, CA 22 (low).