BlastPoint

BlastPoint's Banking Scorecard

Metropolitan Bank

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

Designations: ✓ Minority Depository Institution

Oakland, CA

4 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits -4.6% year over year ($194.7M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.64%.
  • Efficiency ratio 76.80% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.11% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

Metropolitan Bank has 1 strength but faces 6 concerns

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

  • + Credit Quality Leader: Top 38.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 13.3% in tier
  • - Capital Constraint: Bottom 43.0% in tier
  • - Nonperforming Asset Ratio 1.64% above tier average
  • - ROA 0.68% below tier average
  • - Net Interest Margin 0.14% below tier average
  • - Efficiency Ratio 12.32% above tier average
Get updates when Metropolitan Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $230.2M
-5.5% YoY -0.7% QoQ
-$156.3M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $185.2M
-0.1% YoY +2.5% QoQ
-$73.2M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
45%
Total Deposits ? $194.7M
-4.6% YoY -0.8% QoQ
-$132.1M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
33%
Return on Assets ? 0.64%
+8.3% YoY +7.3% QoQ
-0.68% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 3.85%
+4.9% YoY +0.5% QoQ
-0.14% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 76.80%
+2.0% YoY -2.1% QoQ
+12.32% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 0.00%
-100.0% QoQ
-0.92% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 95.11%
+4.7% YoY +3.3% QoQ
+17.16% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 12.16%
+17.1% YoY -14.3% QoQ
-9.87% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 14.9% in tier
Nonperforming Asset Ratio ? 2.31%
+60.7% YoY -19.9% QoQ
+1.64% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Bottom 5.4% in tier
Tier 1 Capital Ratio ? 13.09%
+9.0% YoY +0.7% QoQ
-2.82% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
49%
Non-Interest Income / Assets ? 0.14%
+56.1% YoY +124.2% QoQ
-0.43% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
31%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 12.2%
+1.8pp YoY
-2.0pp QoQ
 -10.0pp 22.1% 25.5% 22.2% 14%
Brokered Deposits n/a n/a 7.9% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 3.0%
-0.4pp YoY
+1.0pp QoQ
 -8.5pp 11.6% 11.8% 12.5% 10%
CRE 68.8%
+0.6pp YoY
-0.6pp QoQ
 +29.2pp 39.5% 67.5% 41.4% 92%
1-4 Family 26.6%
-0.8pp YoY
-0.6pp QoQ
 -6.1pp 32.6% 16.5% 31.3% 44%
Consumer 0.5%
+0.1pp YoY
-0.2pp QoQ
 -3.6pp 4.1% 5.3% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.7% 19.7% n/a
Leverage Ratio 13.1%
+1.1pp YoY
+0.1pp QoQ
 +0.9pp 12.2% 14.5% 12.6% 76%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 44
0 YoY
-1 (-2.2%) QoQ
 -15 58 337 482 46%
Assets per Employee ($) $5.2M
-5.5% YoY
+1.6% QoQ
 -$2.3M $7.5M $11.3M $8.8M 18%
Branch Count 4
0 YoY
0 QoQ
 -1 4 15 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.4% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 17.11x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 5.0%
0.0pp YoY
+0.3pp QoQ
 -7.2pp 12.2% 8.2% 11.6% 13%
Cost of Funds (YTD) 2.6%
-0.4pp YoY
0.0pp QoQ
 +0.9pp 1.7% 1.9% 1.7% 91%
Net Income ($, YTD) $746,000
+4.2% YoY
— QoQ
 -$1.8M $2.6M $28.5M $40.4M 18%

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 (1)

Credit Quality Leader

growth
#256 of 659 • Top 38.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (2)

Liquidity Strain

risk
#93 of 691 • Bottom 13.3% 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: 95.11%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#47 of 107 • Bottom 43.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 95.11%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 13.09%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B

Top Weaknesses (5 metrics)

2501
Nonperforming Asset Ratio
credit_quality
Value: 2.31%
Peer Median: 0.67%
#2501 of 2643 Bottom 5.4% in $100M-$1B
2251
Non-Interest-Bearing Deposit Share
funding
Value: 12.16%
Peer Median: 22.03%
#2251 of 2643 Bottom 14.9% in $100M-$1B
2217
Loan-to-Deposit Ratio
liquidity
Value: 95.11%
Peer Median: 77.95%
#2217 of 2643 Bottom 16.2% in $100M-$1B
2207
Return on Assets
profitability
Value: 0.64%
Peer Median: 1.32%
#2207 of 2643 Bottom 16.5% in $100M-$1B
2175
Efficiency Ratio
profitability
Value: 76.80%
Peer Median: 64.48%
#2175 of 2643 Bottom 17.7% in $100M-$1B
Powered by BlastPoint © 2026