BlastPoint's Banking Scorecard
US Metro Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Garden Grove, CA
11 branches across CA · WA · GA · NY
US Metro Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 34.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 45.8% in tier
- - ROA 0.35% below tier average
- - Net Interest Margin 0.51% below tier average
- - Efficiency Ratio 1.08% above tier average
- - Delinquency Rate 0.75% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+10.3% YoY
+0.8% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$4.8B
+7.6% YoY
|
$6.2B
+9.0% YoY
|
36% |
| Total Loans ? |
$1.3B
+8.7% YoY
+1.9% QoQ
|
-$679.8M |
$2.0B
+0.6% YoY
|
$3.3B
+8.3% YoY
|
$3.2B
+10.7% YoY
|
46% |
| Total Deposits ? |
$1.4B
+10.1% YoY
+0.8% QoQ
|
-$982.1M |
$2.3B
-0.3% YoY
|
$3.9B
+6.9% YoY
|
$4.8B
+8.0% YoY
|
39% |
| Return on Assets ? |
1.01%
+23.1% YoY
+21.9% QoQ
|
-0.35% |
1.37%
+19.6% YoY
|
1.75%
+28.6% YoY
|
1.24%
+13.1% YoY
|
34% |
| Net Interest Margin ? |
3.31%
+10.4% YoY
+3.1% QoQ
|
-0.51% |
3.82%
+6.9% YoY
|
3.80%
+3.1% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
62.13%
-6.5% YoY
-5.3% QoQ
|
+1.08% |
61.05%
-4.6% YoY
|
69.04%
-8.1% YoY
|
66.84%
-3.8% YoY
|
42% |
| Delinquency Rate ? |
1.64%
+53.6% YoY
+2.7% QoQ
|
+0.75% |
0.89%
+14.1% YoY
|
1.18%
+69.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.2% in tier |
| Loan-to-Deposit Ratio ? |
94.39%
-1.3% YoY
+1.2% QoQ
|
+10.18% |
84.20%
+0.3% YoY
|
85.63%
+2.0% YoY
|
76.69%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
17.68%
-7.2% YoY
+5.4% QoQ
|
-3.60% |
21.28%
-2.5% YoY
|
24.99%
-4.4% YoY
|
22.01%
-1.1% YoY
|
39% |
| Nonperforming Asset Ratio ? |
1.56%
+75.5% YoY
+3.2% QoQ
|
+0.89% |
0.67%
+15.6% YoY
|
0.92%
+66.1% YoY
|
0.66%
+19.3% YoY
|
Bottom 10.5% in tier |
| Tier 1 Capital Ratio ? |
12.80%
+10.6% YoY
-0.4% QoQ
|
-2.37% |
15.17%
+2.0% YoY
|
21.06%
-3.6% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.42%
+94.2% YoY
-59.7% QoQ
|
+0.16% |
0.26%
+1.6% YoY
|
0.69%
+11.1% YoY
|
0.32%
+4.0% YoY
|
Top 7.9% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.