BlastPoint's Banking Scorecard
Metropolitan Commercial Bank
Mid-Market
Specialty: Commercial
NY
FDIC cert 34699
Designations: ✓ Community bank
New York, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
Metropolitan Commercial Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 100% in Mid-Market
- - Tier 1 Capital Ratio 3.06% below tier
- - Non-Interest Income / Assets 0.82% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.3B
+13.1% YoY
+0.3% QoQ
|
-$2.2B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$6.7B
+12.4% YoY
+0.4% QoQ
|
-$418.2M |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$7.4B
+23.6% YoY
+4.1% QoQ
|
-$1.1B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
0.97%
-0.4% YoY
+22.0% QoQ
|
-0.19% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
4.00%
+9.8% YoY
+2.9% QoQ
|
+0.60% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
53.76%
-11.1% YoY
-3.4% QoQ
|
-2.84% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
1.29%
+137.0% YoY
+6.1% QoQ
|
+0.61% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
90.32%
-9.0% YoY
-3.6% QoQ
|
+4.85% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
20.65%
-9.1% YoY
+1.8% QoQ
|
+0.01% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
1.05%
+135.7% YoY
+6.3% QoQ
|
+0.55% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? |
10.49%
-12.4% YoY
+0.4% QoQ
|
-3.06% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Bottom 10% in tier |
| Non-Interest Income / Assets ? |
0.13%
-59.2% YoY
+27.3% QoQ
|
-0.82% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
NIB Deposit Bleed
decline
#9 of 9 · Bottom 100% in Mid-Market
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
20.65%
(Tier: 20.64%, National: 21.79%)
9 of 9 Mid-Market banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank declining
Tier 1 Capital Ratio
metric
Bottom 10%
in Mid-Market
Why this stands out
Current:
10.49%
(Tier avg: 13.55%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Bottom 4%
in Mid-Market
Why this stands out
Current:
0.13%
(Tier avg: 0.96%, National avg: 0.65%)
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
78
78th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.40%
64
64th pctile
Efficiency Ratio
Current: 53.76% · Tier avg: 56.60%
59
59th pctile
Total Loans
Current: $6.7B · Tier avg: $7.1B
58
58th pctile
Total Deposits
Current: $7.4B · Tier avg: $8.5B
48
48th pctile
Total Assets
Current: $8.3B · Tier avg: $10.5B
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.65% · Tier avg: 20.64%
38
38th pctile
Loan-to-Deposit Ratio
Current: 90.32% · Tier avg: 85.47%
35
35th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
15
15th pctile
Delinquency Rate
Current: 1.29% · Tier avg: 0.68%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.50%
10
10th pctile
Tier 1 Capital Ratio
Current: 10.49% · Tier avg: 13.55%
4
4th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.96%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.96%
10
10th pctile
Tier 1 Capital Ratio
Current: 10.49% · Tier avg: 13.55%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.50%
15
15th pctile
Delinquency Rate
Current: 1.29% · Tier avg: 0.68%
35
35th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
38
38th pctile
Loan-to-Deposit Ratio
Current: 90.32% · Tier avg: 85.47%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.65% · Tier avg: 20.64%
48
48th pctile
Total Assets
Current: $8.3B · Tier avg: $10.5B
58
58th pctile
Total Deposits
Current: $7.4B · Tier avg: $8.5B
59
59th pctile
Total Loans
Current: $6.7B · Tier avg: $7.1B
64
64th pctile
Efficiency Ratio
Current: 53.76% · Tier avg: 56.60%
78
78th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.40%