How Big Is Metro Bank?
Metro Bank holds $1.1B in total assets and $915M in deposits, making it a mid-size bank by U.S. standards. By total assets it is the 882nd-largest of the 3,960 FDIC-insured banks we track — in the top 22% by size. Those figures come from Metro Bank's latest FDIC call report (cert #27510); it is a strong regional or community bank, with $1 billion to $10 billion in assets.
This page answers a common banking-safety question: How Big Is Metro Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Metro Bank Size at a Glance
- Total assets
- $1.1B
- Total deposits
- $915M
- Domestic deposits
- $915M
- Size class
- mid-size bank
- Rank by assets
- #882 of 3,960
- Headquarters
- Pell City, Alabama
Source: FDIC Call Report data (cert #27510). Figures reflect the latest reported quarter.
With $1.1B in total assets, Metro Bank is a strong regional or community bank, with $1 billion to $10 billion in assets. Nationally, that makes it the 882nd-largest of the 3,960 FDIC-insured banks we track, in the top 22% by size. The bank funds those assets largely with $915M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.87% | 99/100 |
| Nonperforming Loan Ratio | 0.55% | 89/100 |
| Liquidity Ratio | 46.99% | 100/100 |
| Return on Assets | 1.92% | 97/100 |
| Total Assets | $1.1B | |
How does Metro Bank compare?
With a Bank Health Score of 96/100, Metro Bank sits 16.0 points above the national average of 80/100 for FDIC-insured banks. Within Alabama, where 78 FDIC-insured banks are headquartered, Metro Bank ranks above the state average of 82/100 (Grade A).
The bank's Tier 1 capital ratio of 14.87% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.55% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Metro Bank's Bank Health Score fell by 1.0 points to 96/100. Tier 1 capital strengthened by 0.18 percentage points to 14.87%. Quarter-over-quarter, the score fell by 1.0 points.
Frequently Asked Questions
Metro Bank holds $1.1B in total assets and $915M in deposits, making it a mid-size bank by U.S. standards. By total assets it is the 882nd-largest of the 3,960 FDIC-insured banks we track — in the top 22% by size. Those figures come from Metro Bank's latest FDIC call report (cert #27510); it is a strong regional or community bank, with $1 billion to $10 billion in assets.
Metro Bank ranks 882nd by total assets out of the 3,960 FDIC-insured banks BankHealth tracks, placing it in the top 22% by size. Its $1.1B in assets classify it as a mid-size bank.
Metro Bank reports $1.1B in total assets and $915M in total deposits ($915M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Metro Bank earns a Bank Health Score of 96/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $1.1B asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Metro Bank (FDIC certificate #27510) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Metro Bank
Metro Bank holds $1.1B in total assets and $915M in deposits, making it a mid-size bank by U.S. standards. By total assets it is the 882nd-largest of the 3,960 FDIC-insured banks we track — in the top 22% by size. Those figures come from Metro Bank's latest FDIC call report (cert #27510); it is a strong regional or community bank, with $1 billion to $10 billion in assets.