BlastPoint's Banking Scorecard

Metro City Bank

$1B-$10B Specialty: Commercial GA FDIC cert 58181

Designations: ✓ Minority Depository Institution

Doraville, GA

31 branches across GA · TX · NY · AL · CA · NJ · VA · FL

884 banks in the $1B-$10B peer group nationally 11 in GA

Metro City Bank has 4 strengths but faces 1 concern

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

+ Efficiency Ratio 19.67% below tier average
+ ROA 0.55% above tier average
+ Net Interest Margin 0.22% above tier average
+ Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 21.8% in tier

Get updates when Metro City Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$4.6B +27.1% YoY -1.7% QoQ	+$1.8B	$2.8B -0.1% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$4.0B +26.2% YoY -1.5% QoQ	+$2.0B	$2.0B +0.6% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	Top 12.2% in tier
Total Deposits ?	$3.7B +32.2% YoY -0.4% QoQ	+$1.3B	$2.3B -0.3% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.92% +5.8% YoY +6.9% QoQ	+0.55%	1.37% +19.6% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 12.6% in tier
Net Interest Margin ?	4.04% +12.4% YoY +11.8% QoQ	+0.22%	3.82% +6.9% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	73%
Efficiency Ratio ?	41.39% +7.7% YoY +1.9% QoQ	-19.67%	61.06% -4.6% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 8.1% in tier
Delinquency Rate ?	0.42% -20.8% YoY -34.6% QoQ	-0.47%	0.89% +14.1% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	108.70% -4.5% YoY -1.1% QoQ	+24.50%	84.20% +0.3% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	Bottom 5.0% in tier
Non-Interest-Bearing Deposit Share ?	22.71% +10.6% YoY +3.3% QoQ	+1.42%	21.29% -2.5% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	0.39% -23.7% YoY -30.5% QoQ	-0.29%	0.67% +15.6% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	16.50% -13.6% YoY +4.3% QoQ	+1.34%	15.16% +2.0% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.14% -5.4% YoY -73.8% QoQ	-0.12%	0.26% +1.6% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	49%

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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 Overhang

risk

#39 of 174 • Bottom 21.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.50%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 108.70%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 41.39%

Peer Median: 61.06%

#73 of 884 Top 8.1% in $1B-$10B

109

Total Loans

size

Value: $3.98B

Peer Median: $1.96B

#109 of 884 Top 12.2% in $1B-$10B

112

Return on Assets

profitability

Value: 1.92%

Peer Median: 1.37%

#112 of 884 Top 12.6% in $1B-$10B

142

Total Assets

size

Value: $4.63B

Peer Median: $2.82B

#142 of 884 Top 16.0% in $1B-$10B

146

Tier 1 Capital Ratio

capital

Value: 16.50%

Peer Median: 15.16%

#146 of 884 Top 16.4% in $1B-$10B

153

Total Deposits

size

Value: $3.66B

Peer Median: $2.34B

#153 of 884 Top 17.2% in $1B-$10B

Top Weaknesses (1 metrics)

841

Loan-to-Deposit Ratio

liquidity

Value: 108.70%

Peer Median: 84.20%

#841 of 884 Bottom 5.0% in $1B-$10B