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Metro City Bank

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

Designations: ✓ Minority Depository Institution

Doraville, GA

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

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 12 in GA.
  • Deposits +29.5% year over year ($3.5B on the books).
  • Delinquency rate 0.44%.
  • Return on assets 1.94%.
  • Efficiency ratio 40.33% vs a 59.73% peer average.
  • Loan-to-deposit ratio 111.54% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 12 in GA
View $1B-$10B leaderboard (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 19.40% below tier average
  • + ROA 0.55% above tier average
  • + Net Interest Margin 0.21% above tier average
  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 15.7% in tier
Get updates when Metro City Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $4.5B
+23.7% YoY -3.6% QoQ
+$1.7B $2.8B
-0.6% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $3.9B
+26.5% YoY -1.1% QoQ
+$2.0B $2.0B
-0.3% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
Top 12.1% in tier
Total Deposits ? $3.5B
+29.5% YoY -3.6% QoQ
+$1.2B $2.3B
-0.5% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 1.94%
+5.3% YoY +1.1% QoQ
+0.55% 1.39%
+17.0% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 14.0% in tier
Net Interest Margin ? 4.08%
+10.5% YoY +1.0% QoQ
+0.21% 3.87%
+6.2% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 40.33%
+6.7% YoY -2.6% QoQ
-19.40% 59.73%
-12.6% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
Top 7.7% in tier
Delinquency Rate ? 0.44%
-4.6% YoY +4.8% QoQ
-0.42% 0.87%
+11.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 111.54%
-2.3% YoY +2.6% QoQ
+26.51% 85.04%
-0.1% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
Bottom 4.0% in tier
Non-Interest-Bearing Deposit Share ? 23.27%
+9.0% YoY +2.5% QoQ
+2.00% 21.27%
-1.5% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
66%
Nonperforming Asset Ratio ? 0.42%
-0.3% YoY +8.2% QoQ
-0.25% 0.67%
+11.7% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 17.14%
-13.4% YoY +3.8% QoQ
+2.29% 14.84%
-0.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Top 14.6% in tier
Non-Interest Income / Assets ? 0.28%
-10.6% YoY +97.6% QoQ
-0.25% 0.53%
+2.5% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
47%

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 (GA) National Avg Tier Percentile
Noninterest-Bearing 23.3%
+1.9pp YoY
+0.6pp QoQ
 +1.9pp 21.4% 26.2% 22.2% 65%
Brokered Deposits 19.1%
-5.8pp YoY
-2.3pp QoQ
 +9.7pp 9.5% 7.5% 8.5% 88%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 2.2%
-0.3pp YoY
-0.1pp QoQ
 -11.8pp 14.0% 9.7% 12.5% 6%
CRE 38.5%
+0.1pp QoQ
 -11.5pp 50.0% 48.9% 41.4% 21%
1-4 Family 59.9%
-11.5pp YoY
0.0pp QoQ
 +33.5pp 26.4% 31.7% 31.3% 94%
Consumer 0.0%
0.0pp QoQ
 -4.7pp 4.7% 4.8% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 17.1%
-2.6pp YoY
+0.6pp QoQ
 +1.5pp 15.6% 20.9% 19.7% 83%
Leverage Ratio 11.1%
-0.8pp YoY
+0.6pp QoQ
 -0.2pp 11.3% 14.0% 12.6% 62%
Total Capital Ratio 18.0%
-2.6pp YoY
+0.6pp QoQ
 +1.3pp 16.7% 22.1% 20.8% 82%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 309
+75 (+32.1%) YoY
+4 (+1.3%) QoQ
 -5 313 98 482 67%
Assets per Employee ($) $14.5M
-6.3% YoY
-4.9% QoQ
 +$4.0M $10.5M $7.5M $8.8M 88%
Branch Count 27
+7 (+35.0%) YoY
-2 (-6.9%) QoQ
 +7 20 6 18 78%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.8% 0.8% 1.0% 44%
Allowance Coverage 1.48x
+14.1% YoY
-6.7% QoQ
 -17.23x 18.71x 38.10x 20.23x 38%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 30%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 17.8%
+2.2pp YoY
-0.3pp QoQ
 +5.2pp 12.6% 13.6% 11.6% 86%
Cost of Funds (YTD) 2.4%
-0.1pp YoY
0.0pp QoQ
 +0.5pp 1.9% 1.6% 1.7% 83%
Net Income ($, YTD) $44.6M
+34.2% YoY
— QoQ
 +$25.3M $19.2M $6.6M $40.4M 91%

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
#28 of 172 • Bottom 15.7% 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: 17.14%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 111.54%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

69
Efficiency Ratio
profitability
Value: 40.33%
Peer Median: 59.73%
#69 of 885 Top 7.7% in $1B-$10B
108
Total Loans
size
Value: $3.93B
Peer Median: $1.96B
#108 of 885 Top 12.1% in $1B-$10B
125
Return on Assets
profitability
Value: 1.94%
Peer Median: 1.39%
#125 of 885 Top 14.0% in $1B-$10B
130
Tier 1 Capital Ratio
capital
Value: 17.14%
Peer Median: 14.84%
#130 of 885 Top 14.6% in $1B-$10B
149
Total Assets
size
Value: $4.47B
Peer Median: $2.79B
#149 of 885 Top 16.7% in $1B-$10B
158
Total Deposits
size
Value: $3.53B
Peer Median: $2.32B
#158 of 885 Top 17.7% in $1B-$10B

Top Weaknesses (1 metrics)

851
Loan-to-Deposit Ratio
liquidity
Value: 111.54%
Peer Median: 85.04%
#851 of 885 Bottom 4.0% in $1B-$10B
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