BlastPoint's Banking Scorecard

Metropolitan Bank

$100M-$1B Specialty: Commercial CA FDIC cert 25869

Designations: ✓ Minority Depository Institution

Oakland, CA

4 branches across CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

Metropolitan Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.6% in tier
- Nonperforming Asset Ratio 2.24% above tier average
- ROA 0.67% below tier average
- Net Interest Margin 0.10% below tier average
- Efficiency Ratio 13.15% above tier average
- Delinquency Rate 0.87% above tier average

Get updates when Metropolitan Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$231.8M -4.7% YoY -1.1% QoQ	-$154.3M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	33%
Total Loans ?	$180.6M -7.3% YoY -1.2% QoQ	-$75.1M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$196.2M -2.3% YoY +0.2% QoQ	-$131.7M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	33%
Return on Assets ?	0.60% +1.8% YoY -6.9% QoQ	-0.67%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	3.83% +5.9% YoY +0.7% QoQ	-0.10%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	78.44% +3.6% YoY +4.0% QoQ	+13.15%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	17%
Delinquency Rate ?	1.76% +402.5% YoY +1.2% QoQ	+0.87%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	15%
Loan-to-Deposit Ratio ?	92.05% -5.1% YoY -1.4% QoQ	+15.41%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	14.18% +17.5% YoY +24.5% QoQ	-7.84%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	2.88% +67.6% YoY +1.1% QoQ	+2.24%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Bottom 3.2% in tier
Tier 1 Capital Ratio ?	13.00% +6.6% YoY +2.9% QoQ	-2.84%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.06% +12.7% YoY -70.9% QoQ	-0.22%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	28%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#5 of 643 • Bottom 0.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.05%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2579

Nonperforming Asset Ratio

credit_quality

Value: 2.88%

Peer Median: 0.64%

#2579 of 2664 Bottom 3.2% in $100M-$1B

2255

Delinquency Rate

credit_quality

Value: 1.76%

Peer Median: 0.89%

#2255 of 2654 Bottom 15.1% in $100M-$1B

2234

Return on Assets

profitability

Value: 0.60%

Peer Median: 1.27%

#2234 of 2664 Bottom 16.2% in $100M-$1B

2207

Efficiency Ratio

profitability

Value: 78.44%

Peer Median: 65.29%

#2207 of 2664 Bottom 17.2% in $100M-$1B

2126

Loan-to-Deposit Ratio

liquidity

Value: 92.05%

Peer Median: 76.64%

#2126 of 2664 Bottom 20.2% in $100M-$1B

2103

Non-Interest-Bearing Deposit Share

funding

Value: 14.18%

Peer Median: 22.02%

#2103 of 2664 Bottom 21.1% in $100M-$1B