Us Metro Bank (FDIC #58310): Bank Stress & Real-Estate Credit Exposure
Us Metro Bank (FDIC Cert #58310): bank stress 71/100, elevated, STABLE over 7 days; parent US METRO BCORP.
Us Metro Bank (#58310) lends in 4 counties across 2 states; Us Metro Bank (#58310) reaches 480 ZIP codes: California 2 counties, 390 ZIPs; Washington 2 counties, 90 ZIPs.
Us Metro Bank (#58310) largest markets: Los Angeles County, CA (1,216 branches, 304 ZIPs) (#58310), Orange County, CA (276 branches, 92 ZIPs) (#58310), Pierce County, WA (60 branches, 60 ZIPs) (#58310), Snohomish County, WA (30 branches, 30 ZIPs) (#58310).
Us Metro Bank (#58310) reports $1.64 billion in total assets; Us Metro Bank (#58310) equity $161.4 million (9.8% of Us Metro Bank (#58310) assets); Us Metro Bank (#58310) domestic deposits $1.44 billion; Us Metro Bank (#58310) net income $8.0 million; Us Metro Bank (#58310) return on assets 1.01%; Us Metro Bank (#58310) return on equity 10.08%; Us Metro Bank (#58310) net interest income $26.2 million; Us Metro Bank (#58310) call report June 30, 2026.
Us Metro Bank (#58310) noncurrent real-estate loans 0.38% of its book; Us Metro Bank (#58310) residential 0.41%; Us Metro Bank (#58310) net charge-offs on real estate 1.74%; Us Metro Bank (#58310) residential charge-offs 1.32%.
Us Metro Bank (#58310) net interest margin 3.42% against an eight-quarter Us Metro Bank (#58310) average of 3.11% (Us Metro Bank (#58310) compression -0.31 points); Us Metro Bank (#58310) real-estate loans 38.4% of equity; Us Metro Bank (#58310) non-residential real estate 131.6% of equity; Us Metro Bank (#58310) rate-exposure score 40/100, Us Metro Bank (#58310) fixed-rate trap 40/100; Us Metro Bank (#58310) risk type credit driven; Us Metro Bank (#58310) rate regime rates elevated, Us Metro Bank (#58310) snapshot October 19, 2026.
Us Metro Bank (#58310) stress score moved from 68.1 on June 22, 2026 to 70.9 on October 19, 2026; Us Metro Bank (#58310) ranged 68.1 to 70.9 over 116 snapshots.
Us Metro Bank (#58310) alerts: 4 counties; top Us Metro Bank (#58310) alert scores: Garden Grove County, CA 23 (low); Lakewood County, CA 23 (low); Lynnwood County, CA 23 (low); Torrance County, CA 23 (low).