BlastPoint's Banking Scorecard
Metro Bank
Community
Specialty: Commercial
AL
FDIC cert 27510
Pell City, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
Metro Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 24.70% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+4.5% YoY
+2.3% QoQ
|
-$215.8M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$587.8M
+6.1% YoY
+0.0% QoQ
|
-$387.7M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$1.0B
+3.7% YoY
+2.8% QoQ
|
-$157.4M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
1.57%
+3.3% YoY
-3.0% QoQ
|
+0.41% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.65%
+3.5% YoY
-0.3% QoQ
|
-0.02% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
47.68%
+0.7% YoY
-0.8% QoQ
|
-14.95% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
1.40%
+76.6% YoY
+916.5% QoQ
|
+0.77% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
58.36%
+2.3% YoY
-2.7% QoQ
|
-24.70% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.65%
-4.0% YoY
+0.7% QoQ
|
+6.61% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.78%
+79.3% YoY
+365.5% QoQ
|
+0.28% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.44%
-6.1% YoY
+33.7% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
58.36%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Capital Thin
risk
#194 of 432 · Bottom 45% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 58.36% · Tier avg: 83.06%
88
88th pctile
Efficiency Ratio
Current: 47.68% · Tier avg: 62.63%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.65% · Tier avg: 21.05%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
40
40th pctile
Total Loans
Current: $587.8M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.50%
17
17th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.63%
Top Weaknesses
17
17th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.63%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Total Loans
Current: $587.8M · Tier avg: $975.5M
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.65% · Tier avg: 21.05%
88
88th pctile
Efficiency Ratio
Current: 47.68% · Tier avg: 62.63%
93
93th pctile
Loan-to-Deposit Ratio
Current: 58.36% · Tier avg: 83.06%