BlastPoint's Banking Scorecard
Metro Bank
Designations: ✓ Community bank
Pell City, AL
9 branches across AL
Metro Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.89% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 6.5% in tier
- - Margin Compression: Bottom 16.7% in tier
- - Net Interest Margin 0.46% below tier average
- - Delinquency Rate 0.78% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+5.2% YoY
+1.8% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$584.3M
+5.1% YoY
-0.6% QoQ
|
-$1.4B |
$2.0B
+0.6% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.3% in tier |
| Total Deposits ? |
$1.0B
+4.7% YoY
+1.6% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
1.17%
-23.9% YoY
-25.9% QoQ
|
-0.20% |
1.37%
+19.6% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
3.36%
-5.0% YoY
-7.9% QoQ
|
-0.46% |
3.82%
+6.9% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
55.17%
+15.3% YoY
+15.7% QoQ
|
-5.89% |
61.06%
-4.6% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
1.67%
+142.5% YoY
+19.2% QoQ
|
+0.78% |
0.89%
+14.1% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.2% in tier |
| Loan-to-Deposit Ratio ? |
57.09%
+0.4% YoY
-2.2% QoQ
|
-27.11% |
84.20%
+0.3% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 6.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.60%
-2.1% YoY
-0.2% QoQ
|
+6.32% |
21.29%
-2.5% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.89%
+135.1% YoY
+14.6% QoQ
|
+0.22% |
0.67%
+15.6% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
14.43%
+3.1% YoY
+0.2% QoQ
|
-0.73% |
15.16%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.11%
-4.1% YoY
-76.0% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
34% |
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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 (0)
Concerns (2)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.