Metropolitan Capital B&T
Chicago, Illinois · FDIC Cert #57488
Metropolitan Capital B&T is an FDIC-insured bank (Certificate #57488) with $256M in total assets and $214M in total deposits as of the Q2 2024 Call Report. Headquartered in Chicago, Illinois, the bank maintains a Tier 1 capital ratio of 12.06% (Well-Capitalized) and a nonperforming loan ratio of 10.36%. BankHealthData assigns a composite Health Grade of C (52/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Metropolitan Capital B&T (FDIC cert 57488) is a community bank — $256M in total assets, $214M in deposits, serving the Chicago, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.06% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 10.36% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is comfortable: 26.0% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.43% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Metropolitan Capital B&T carries a composite BankHealth grade of C (52/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Metropolitan Capital B&T
- Total Assets
- $256M
- Total Deposits
- $214M
- Tier 1 Capital Ratio
- 12.06%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 10.36%
- Liquidity Ratio
- 25.97%
- Return on Assets
- 0.43%
- Headquarters
- Chicago, Illinois
- FDIC Certificate
- #57488
- Health Grade
- C (52/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Metropolitan Capital B&T holds a Tier 1 capital ratio of 12.06%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Metropolitan Capital B&T has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Metropolitan Capital B&T shows average financial health. While not alarming, its Health Score of 52/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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.
How Metropolitan Capital B&T Compares
Metropolitan Capital B&T’s Health Score of 52 is 20 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 12.06% Tier 1 capital ratio is 1.9 points below the US banking industry average near 14%. The 10.36% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.43% is below the national ROA benchmark of ~1.1%. Among 1583 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Metropolitan Capital B&T is 18 points below the portfolio average of 70.
Frequently Asked Questions
Metropolitan Capital B&T has a Bank Health Score of C (52/100), placing it in average financial health. It holds a Tier 1 capital ratio of 12.06%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Metropolitan Capital B&T's Tier 1 capital ratio of 12.06% and nonperforming loan ratio of 10.36% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Metropolitan Capital B&T is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57488). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Metropolitan Capital B&T holds $256M in total assets and $214M in total deposits. It is headquartered in Chicago, Illinois (FDIC Certificate #57488).
Metropolitan Capital B&T has a Tier 1 capital ratio of 12.06%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 10.36%, and the return on assets is 0.43%.
Yes. Metropolitan Capital B&T is FDIC-insured (Certificate #57488). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Metropolitan Capital B&T's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.