BlastPoint's Banking Scorecard
Metro City Bank
Community
Specialty: Commercial
GA
FDIC cert 58181
Doraville, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Metro City Bank shows strong momentum with 2 strengths and 31.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.17% below tier
- + Loan-to-Deposit Ratio 26.82% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.7B
+31.7% YoY
+30.0% QoQ
|
+$3.3B |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$4.0B
+28.4% YoY
+26.8% QoQ
|
+$3.1B |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.7B
+33.0% YoY
+34.6% QoQ
|
+$2.5B |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.80%
-1.0% YoY
-3.6% QoQ
|
+0.63% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
3.61%
+2.6% YoY
-2.5% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
40.46%
+7.8% YoY
+6.2% QoQ
|
-22.17% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.65%
+12.8% YoY
+57.9% QoQ
|
+0.02% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
109.88%
-3.4% YoY
-5.8% QoQ
|
+26.82% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.99%
+8.4% YoY
+3.7% QoQ
|
+0.94% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.56%
+8.3% YoY
+45.0% QoQ
|
+0.06% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
15.84%
-16.8% YoY
-20.1% QoQ
|
+5.59% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.53%
-16.8% YoY
+11.9% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
40.46%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
109.88%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
Total Loans
Current: $4.0B · Tier avg: $975.5M
99
99th pctile
Total Assets
Current: $4.7B · Tier avg: $1.4B
98
98th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
96
96th pctile
Loan-to-Deposit Ratio
Current: 109.88% · Tier avg: 83.06%
95
95th pctile
Efficiency Ratio
Current: 40.46% · Tier avg: 62.63%
86
86th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.16%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.84% · Tier avg: 10.24%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 21.99% · Tier avg: 21.05%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
38
38th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.63%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
Top Weaknesses
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
38
38th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.63%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 21.99% · Tier avg: 21.05%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.84% · Tier avg: 10.24%
86
86th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.16%
95
95th pctile
Efficiency Ratio
Current: 40.46% · Tier avg: 62.63%
96
96th pctile
Loan-to-Deposit Ratio
Current: 109.88% · Tier avg: 83.06%
98
98th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
99
99th pctile
Total Assets
Current: $4.7B · Tier avg: $1.4B
100
100th pctile
Total Loans
Current: $4.0B · Tier avg: $975.5M