Metro Bank (FDIC #27510): Bank Stress & Real-Estate Credit Exposure
Metro Bank (FDIC Cert #27510): bank stress 47/100, moderate, STABLE over 7 days.
Metro Bank (#27510) lends in 4 counties across 1 state; Metro Bank (#27510) reaches 49 ZIP codes: Alabama 4 counties, 49 ZIPs.
Metro Bank (#27510) largest markets: St. Clair County, AL (108 branches, 18 ZIPs) (#27510), Etowah County, AL (15 branches, 15 ZIPs) (#27510), Talladega County, AL (12 branches, 12 ZIPs) (#27510), Cleburne County, AL (7 branches, 7 ZIPs) (#27510).
Metro Bank (#27510) reports $1.18 billion in total assets; Metro Bank (#27510) equity $170.4 million (14.4% of Metro Bank (#27510) assets); Metro Bank (#27510) domestic deposits $1.01 billion; Metro Bank (#27510) net income $8.4 million; Metro Bank (#27510) return on assets 1.41%; Metro Bank (#27510) return on equity 10.08%; Metro Bank (#27510) net interest income $20.0 million; Metro Bank (#27510) call report June 30, 2026.
Metro Bank (#27510) noncurrent real-estate loans 0.15% of its book; Metro Bank (#27510) residential 0.28%; Metro Bank (#27510) net charge-offs on real estate 1.28%; Metro Bank (#27510) residential charge-offs 2.26%.
Metro Bank (#27510) net interest margin 3.50% against an eight-quarter Metro Bank (#27510) average of 3.54% (Metro Bank (#27510) compression 0.04 points); Metro Bank (#27510) real-estate loans 14.5% of equity; Metro Bank (#27510) non-residential real estate 225.5% of equity; Metro Bank (#27510) rate-exposure score 40/100, Metro Bank (#27510) fixed-rate trap 40/100; Metro Bank (#27510) risk type credit driven; Metro Bank (#27510) rate regime rates elevated, Metro Bank (#27510) snapshot October 20, 2026.
Metro Bank (#27510) stress score moved from 52.1 on June 22, 2026 to 46.7 on October 20, 2026; Metro Bank (#27510) ranged 46.7 to 52.1 over 117 snapshots.
Metro Bank (#27510) alerts: 4 counties; top Metro Bank (#27510) alert scores: Gadsden County, AL 19 (low); Heflin County, AL 19 (low); Lincoln County, AL 19 (low); Ragland County, AL 19 (low).