Metropolitan Bank: how it compares with its peers
Against 28 CA banks with half to twice its assets, Metropolitan Bank's strongest measure in Q2 2026 is efficiency ratio (76.80% vs. a 81.98% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $7.3M).
| Measure | Metropolitan Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.64% | 0.49% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.85% | 3.92% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.80% | 81.98% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $7.3M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.11% | 95.42% | Context |
What it means for lending operations
Its efficiency ratio of 76.80% is better than the 81.98% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Neighborhood National Bank El Cajon, CA · $228M
- First Federal Savings and Loan Association of San Rafael San Rafael, CA · $222M
- Home Bank of California San Diego, CA · $255M
- Summit Bank Oakland, CA · $264M
- Capital Bank and Trust Company Irvine, CA · $266M
- United Pacific Bank City Of Industry, CA · $191M
Questions about Metropolitan Bank
How big is Metropolitan Bank?
Metropolitan Bank, established in 1983, is headquartered in Oakland, CA. It reported $230M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Metropolitan Bank's return on assets?
0.64% annualized in Q2 2026, against a 0.49% median for 28 CA banks with half to twice its assets, ahead of 54% of them.
What is Metropolitan Bank's efficiency ratio?
76.80% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 81.98%, and lower is better.
Is Metropolitan Bank growing its loans?
Net loans shrank 0.1% over the year to Q2 2026, while deposits shrank 4.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.