FIRST METRO BANK
MUSCLE SHOALS, ALABAMA · FDIC Cert #27381
Capital & Safety Analysis
According to FDIC financial data, FIRST METRO BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject FIRST METRO BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
FIRST METRO BANK shows strong financial health indicators. With $968M in assets and a Health Score of 65/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST METRO BANK has a Bank Health Score of B (65/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST METRO BANK holds $968M in total assets and $854M in total deposits. It is located in MUSCLE SHOALS, ALABAMA (FDIC Certificate #27381).
FIRST METRO BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.07%, and the return on assets is 2.18%.
Yes. FIRST METRO BANK is FDIC-insured (Certificate #27381). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.