BlastPoint's Banking Scorecard
Metropolitan Bank and Trust Company
Micro
Specialty: Other
NY
FDIC cert 33656
New York, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Metropolitan Bank and Trust Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.08% below tier
- - Net Interest Margin 3.85% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$36.4M
-11.1% YoY
+11.3% QoQ
|
-$181.1M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$5.6M
+3.2% YoY
-0.2% QoQ
|
-$133.6M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$8.6M
+8.0% YoY
+4.5% QoQ
|
-$175.0M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? | 0.00% | -1.08% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? | 0.00% | -3.85% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? | 0.00% | -67.73% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
64.86%
-4.4% YoY
-4.5% QoQ
|
-9.67% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? | - | - |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
- |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? | - | - |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 3.85%, National avg: 3.75%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
31
31th pctile
Loan-to-Deposit Ratio
Current: 64.86% · Tier avg: 74.53%
6
6th pctile
Return on Assets
Current: 0.00% · Tier avg: 1.08%
4
4th pctile
Total Assets
Current: $36.4M · Tier avg: $217.5M
2
2th pctile
Total Loans
Current: $5.6M · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $8.6M · Tier avg: $183.7M
0
0th pctile
Net Interest Margin
Current: 0.00% · Tier avg: 3.85%
Top Weaknesses
0
0th pctile
Net Interest Margin
Current: 0.00% · Tier avg: 3.85%
1
1th pctile
Total Deposits
Current: $8.6M · Tier avg: $183.7M
2
2th pctile
Total Loans
Current: $5.6M · Tier avg: $139.2M
4
4th pctile
Total Assets
Current: $36.4M · Tier avg: $217.5M
6
6th pctile
Return on Assets
Current: 0.00% · Tier avg: 1.08%
31
31th pctile
Loan-to-Deposit Ratio
Current: 64.86% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%