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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Oakland, CA · FDIC certificate #25869
METROPOLITAN BANK is an FDIC-insured institution based in Oakland, CA (FDIC certificate #25869). In its Q3 2026 Call Report it reported total assets of $227M, total deposits of $190M and net loans of $181M. Its primary federal regulator is FDIC.
Plain-language readout
METROPOLITAN BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $232M in Q1 2026 and were lowest at $227M in Q3 2026.
Total deposits were highest at $196M in Q1 2026 and lowest at $190M in Q3 2026.
Over the whole period total assets fell 2.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $227M | $190M | $181M | 0.64% | 4.86% | 3.95% |
| Q2 2026 | $230M | $195M | $185M | 0.64% | 4.96% | 3.85% |
| Q1 2026 | $232M | $196M | $181M | 0.60% | 4.65% | 3.83% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $24.5M | $36.3M | -$11.7M | -32.4% |
| Federal funds sold | $4.0M | $0K | +$4.0M | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $4.5M | $4.6M | -$69K | -1.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $185.2M | $180.6M | +$4.5M | +2.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.1M | $3.2M | -$94K | -2.9% |
| Other real estate owned | $5.3M | $3.5M | +$1.8M | +51.9% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.6M | $3.6M | +$18K | +0.5% |
| Total assets | $230.2M | $231.8M | -$1.5M | -0.7% |
| Liabilities | ||||
| Total deposits | $194.7M | $196.2M | -$1.6M | -0.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.0M | $2.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.4M | $3.4M | -$11K | -0.3% |
| Total liabilities | $200.1M | $201.6M | -$1.6M | -0.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $1.0M | $1.0M | $0K | 0.0% |
| Retained earnings | $28.2M | $28.2M | +$33K | +0.1% |
| Accumulated other comprehensive income | -$50K | -$48K | -$2K | -4.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $30.2M | $30.2M | +$31K | +0.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $5.3M | $6.7M | -$1.4M | -20.4% |
| Adjusted nonperforming assets | $5.3M | $6.7M | -$1.4M | -20.4% |
| Tangible equity plus allowance | $33.4M | $33.3M | +$31K | +0.1% |
| Texas ratio (gross) | 15.92% | 20.02% | -4.11 pts | See points |
| Texas ratio (adjusted) | 15.92% | 20.02% | -4.11 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 16.58% | 20.70% | -4.11 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.09% | 13.00% | +0.09 pts | See points |
| Construction and land loans to total capital | 17.94% | 17.97% | -0.03 pts | See points |
| Commercial real estate to total capital | 307.43% | 301.15% | +6.28 pts | See points |
| Dividend payout, year to date | 60.86% | 25.79% | +35.07 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.23% | -0.23% | -0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $160.9M | $163.4M | -$2.5M | -1.5% |
| Non-core funding | $35.8M | $34.9M | +$908K | +2.6% |
| Loans to core deposits | 117.03% | 112.50% | +4.54 pts | See points |
| Loans to deposits | 96.74% | 93.66% | +3.07 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 80.65% | 80.34% | +0.32 pts | See points |
| Loans pledged, share of loans | 84.31% | 87.69% | -3.38 pts | See points |
| Volatile liabilities | $35.9M | $35.0M | +$908K | +2.6% |
| Earnings | ||||
| Earnings before provision, year to date | $1.1M | $488K | +$568K | +116.4% |
| Earnings before provision, single quarter | $568K | $488K | +$80K | +16.4% |
| Provision for credit losses, year to date | -$1K | -$8K | +$7K | +87.5% |
| Yield and cost | ||||
| Yield on loans and leases | 6.83% | 6.85% | -0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.72% | 3.57% | +0.15 pts | See points |
| Total interest income to average assets | 6.06% | 6.11% | -0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 0.00% | 0.09% | -0.09 pts | See points |
| Cost of savings and money market deposits | 0.26% | 0.25% | +0.01 pts | See points |
| Cost of time deposits | 3.39% | 3.46% | -0.06 pts | See points |
| Total interest expense to average assets | 2.41% | 2.46% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $227M | $190M | $181M | 0.64% | 4.86% | 3.95% |
| 2026-06-30 | $230M | $195M | $185M | 0.64% | 4.96% | 3.85% |
| 2026-03-31 | $232M | $196M | $181M | 0.60% | 4.65% | 3.83% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $204M | 0.01% | 139 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.