BlastPoint's Banking Scorecard
Metropolitan Bank
Micro
Specialty: Commercial
CA
FDIC cert 25869
Designations: ✓ Community bank
Oakland, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Metropolitan Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 2.40% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$234.2M
-1.0% YoY
-1.7% QoQ
|
+$16.8M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$182.7M
-4.9% YoY
-2.4% QoQ
|
+$43.6M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$195.8M
+0.6% YoY
-2.2% QoQ
|
+$12.2M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
0.64%
-16.1% YoY
+4.3% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.80%
+7.7% YoY
+2.2% QoQ
|
-0.05% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
75.42%
+8.6% YoY
-0.2% QoQ
|
+7.70% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
1.74%
+389.8% YoY
+110.9% QoQ
|
+1.10% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
93.32%
-5.5% YoY
-0.2% QoQ
|
+18.79% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
11.39%
-14.2% YoY
-9.1% QoQ
|
-11.00% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
2.85%
+61.4% YoY
+34.7% QoQ
|
+2.40% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.21%
-50.0% YoY
+39.8% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.85%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
69
69th pctile
Total Loans
Current: $182.7M · Tier avg: $139.2M
59
59th pctile
Total Assets
Current: $234.2M · Tier avg: $217.5M
58
58th pctile
Total Deposits
Current: $195.8M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
28
28th pctile
Efficiency Ratio
Current: 75.42% · Tier avg: 67.73%
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
25
25th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.32% · Tier avg: 74.53%
16
16th pctile
Delinquency Rate
Current: 1.74% · Tier avg: 0.64%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.39% · Tier avg: 22.39%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.85% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.85% · Tier avg: 0.45%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.39% · Tier avg: 22.39%
16
16th pctile
Delinquency Rate
Current: 1.74% · Tier avg: 0.64%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.32% · Tier avg: 74.53%
25
25th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
28
28th pctile
Efficiency Ratio
Current: 75.42% · Tier avg: 67.73%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Deposits
Current: $195.8M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $234.2M · Tier avg: $217.5M
69
69th pctile
Total Loans
Current: $182.7M · Tier avg: $139.2M