BlastPoint's Banking Scorecard
Metropolitan Commercial Bank
Designations: ✓ Community bank
New York, NY
11 branches across NY · FL · NJ
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 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
- Deposits +13.9% year over year ($7.8B on the books).
- Delinquency rate 0.92%.
- Return on assets 1.23%.
- Efficiency ratio 52.19% vs a 59.73% peer average.
- Loan-to-deposit ratio 93.46% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Metropolitan Commercial Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Efficiency Ratio 7.54% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.47% below tier average
- - ROA 0.16% below tier average
- - Delinquency Rate 0.06% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.9B
+12.8% YoY
+0.2% QoQ
|
+$6.1B |
$2.8B
-0.6% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
Top 2.5% in tier |
| Total Loans ? |
$7.3B
+11.1% YoY
+4.3% QoQ
|
+$5.3B |
$2.0B
-0.3% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
Top 0.6% in tier |
| Total Deposits ? |
$7.8B
+13.9% YoY
-0.2% QoQ
|
+$5.5B |
$2.3B
-0.5% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
Top 1.4% in tier |
| Return on Assets ? |
1.23%
+22.4% YoY
-19.4% QoQ
|
-0.16% |
1.39%
+17.0% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
4.20%
+9.5% YoY
+1.6% QoQ
|
+0.33% |
3.87%
+6.2% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
52.19%
-6.4% YoY
+3.1% QoQ
|
-7.54% |
59.73%
-12.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
72% |
| Delinquency Rate ? |
0.92%
+50.9% YoY
-9.7% QoQ
|
+0.06% |
0.87%
+11.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
93.46%
-2.4% YoY
+4.6% QoQ
|
+8.42% |
85.04%
-0.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
21.03%
-1.8% YoY
+2.8% QoQ
|
-0.24% |
21.27%
-1.5% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.76%
+48.7% YoY
-5.9% QoQ
|
+0.08% |
0.67%
+11.7% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
12.91%
+18.7% YoY
-1.7% QoQ
|
-1.93% |
14.84%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.06%
-25.4% YoY
+98.8% QoQ
|
-0.47% |
0.53%
+2.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 4.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.0%
-0.4pp YoY +0.6pp QoQ |
-0.3pp | 21.4% | 22.1% | 22.2% | 56% |
| Brokered Deposits |
26.4%
-23.8pp YoY -2.6pp QoQ |
+17.0pp | 9.5% | 8.0% | 8.5% | 92% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.4%
-4.1pp YoY -1.5pp QoQ |
-2.6pp | 14.0% | 11.0% | 12.5% | 51% |
| CRE |
87.5%
+4.5pp YoY +1.3pp QoQ |
+37.5pp | 50.0% | 46.2% | 41.4% | 99% |
| 1-4 Family |
1.8%
-0.6pp YoY -0.1pp QoQ |
-24.6pp | 26.4% | 36.6% | 31.3% | 3% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 5.1% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.9%
+2.0pp YoY -0.2pp QoQ |
-2.7pp | 15.6% | 26.1% | 19.7% | 40% |
| Leverage Ratio |
11.1%
+1.3pp YoY -0.3pp QoQ |
-0.2pp | 11.3% | 13.9% | 12.6% | 61% |
| Total Capital Ratio |
13.7%
+1.8pp YoY -0.5pp QoQ |
-3.0pp | 16.7% | 27.2% | 20.8% | 35% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
348
+48 (+16.0%) YoY +13 (+3.9%) QoQ |
+34 | 313 | 914 | 482 | 72% |
| Assets per Employee ($) |
$25.5M
-2.8% YoY -3.6% QoQ |
+$15.0M | $10.5M | $14.8M | $8.8M | 97% |
| Branch Count |
11
+3 (+37.5%) YoY +1 (+10.0%) QoQ |
-9 | 20 | 27 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.9%
+0.3pp YoY -0.1pp QoQ |
+0.1pp | 0.8% | 1.3% | 1.0% | 71% |
| Allowance Coverage |
0.93x
-50.1% YoY -19.8% QoQ |
-17.78x | 18.71x | 1.92x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
1.3%
+1.3pp YoY +0.6pp QoQ |
+1.1pp | 0.3% | 0.1% | 0.2% | 97% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.1%
+1.6pp YoY -3.5pp QoQ |
-0.5pp | 12.6% | 7.9% | 11.6% | 49% |
| Cost of Funds (YTD) |
2.4%
-0.5pp YoY 0.0pp QoQ |
+0.4pp | 1.9% | 1.8% | 1.7% | 80% |
| Net Income ($, YTD) |
$53.2M
+39.6% YoY — QoQ |
+$34.0M | $19.2M | $111.2M | $40.4M | 94% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.