Metro City Bank (FDIC #58181): Bank Stress & Real-Estate Credit Exposure
Metro City Bank (FDIC Cert #58181): bank stress 46/100, moderate, STABLE over 7 days; parent METROCITY BANKSHARES INC.
Metro City Bank (#58181) lends in 17 counties across 8 states; Metro City Bank (#58181) reaches 1,112 ZIP codes: Georgia 6 counties, 129 ZIPs; Texas 3 counties, 309 ZIPs; California 2 counties, 390 ZIPs; Alabama 2 counties, 43 ZIPs; New York 1 county, 68 ZIPs; New Jersey 1 county, 66 ZIPs.
Metro City Bank (#58181) largest markets: Los Angeles County, CA (304 branches, 304 ZIPs) (#58181), Harris County, TX (143 branches, 143 ZIPs) (#58181), Dallas County, TX (190 branches, 95 ZIPs) (#58181), Orange County, CA (92 branches, 92 ZIPs) (#58181), Tarrant County, TX (76 branches, 76 ZIPs) (#58181), Queens County, NY (136 branches, 68 ZIPs) (#58181).
Metro City Bank (#58181) reports $4.47 billion in total assets; Metro City Bank (#58181) equity $515.0 million (11.5% of Metro City Bank (#58181) assets); Metro City Bank (#58181) domestic deposits $3.53 billion; Metro City Bank (#58181) net income $44.6 million; Metro City Bank (#58181) return on assets 1.94%; Metro City Bank (#58181) return on equity 17.77%; Metro City Bank (#58181) net interest income $88.5 million; Metro City Bank (#58181) call report June 30, 2026.
Metro City Bank (#58181) noncurrent real-estate loans: none reported; Metro City Bank (#58181) residential 0.01%; Metro City Bank (#58181) net charge-offs on real estate 0.42%; Metro City Bank (#58181) residential charge-offs 0.50%.
Metro City Bank (#58181) net interest margin 4.08% against an eight-quarter Metro City Bank (#58181) average of 3.72% (Metro City Bank (#58181) compression -0.36 points); Metro City Bank (#58181) real-estate loans 0.4% of equity; Metro City Bank (#58181) non-residential real estate 49.8% of equity; Metro City Bank (#58181) rate-exposure score 40/100, Metro City Bank (#58181) fixed-rate trap 40/100; Metro City Bank (#58181) risk type credit driven; Metro City Bank (#58181) rate regime rates elevated, Metro City Bank (#58181) snapshot October 19, 2026.
Metro City Bank (#58181) stress score moved from 48.1 on June 22, 2026 to 46.4 on October 19, 2026; Metro City Bank (#58181) ranged 46.4 to 48.1 over 116 snapshots.
Metro City Bank (#58181) alerts: 16 counties; top Metro City Bank (#58181) alert scores: Montgomery County, GA 36 (moderate); Houston County, GA 29 (low); Atlanta County, GA 17 (low); Buena Park County, GA 17 (low); Centreville County, GA 17 (low).