First Metro Bank (FDIC #27381): Bank Stress & Real-Estate Credit Exposure

First Metro Bank (FDIC Cert #27381): bank stress 54/100, moderate, STABLE over 7 days; parent FIRST METRO BCORP.

First Metro Bank (#27381) lends in 4 counties across 1 state; First Metro Bank (#27381) reaches 38 ZIP codes: Alabama 4 counties, 38 ZIPs.

First Metro Bank (#27381) largest markets: Limestone County, AL (30 branches, 15 ZIPs) (#27381), Franklin County, AL (10 branches, 10 ZIPs) (#27381), Lauderdale County, AL (50 branches, 10 ZIPs) (#27381), Colbert County, AL (27 branches, 9 ZIPs) (#27381).

First Metro Bank (#27381) reports $1.01 billion in total assets; First Metro Bank (#27381) equity $113.6 million (11.2% of First Metro Bank (#27381) assets); First Metro Bank (#27381) domestic deposits $893.7 million; First Metro Bank (#27381) net income $8.2 million; First Metro Bank (#27381) return on assets 1.62%; First Metro Bank (#27381) return on equity 14.77%; First Metro Bank (#27381) net interest income $17.9 million; First Metro Bank (#27381) call report June 30, 2026.

First Metro Bank (#27381) noncurrent real-estate loans: none reported; First Metro Bank (#27381) net charge-offs on real estate 0.14%.

First Metro Bank (#27381) net interest margin 3.69% against an eight-quarter First Metro Bank (#27381) average of 3.72% (First Metro Bank (#27381) compression 0.04 points); First Metro Bank (#27381) rate-exposure score 40/100, First Metro Bank (#27381) fixed-rate trap 40/100; First Metro Bank (#27381) risk type credit driven; First Metro Bank (#27381) rate regime rates elevated, First Metro Bank (#27381) snapshot October 20, 2026.

First Metro Bank (#27381) stress score moved from 54.7 on June 22, 2026 to 53.9 on October 20, 2026; First Metro Bank (#27381) ranged 53.9 to 54.7 over 117 snapshots.

First Metro Bank (#27381) alerts: 4 counties; top First Metro Bank (#27381) alert scores: Athens County, AL 20 (low); Lexington County, AL 20 (low); Russellville County, AL 20 (low); Tuscumbia County, AL 20 (low).