First Metro Bank: how it compares with its peers
Against 20 AL banks with half to twice its assets, First Metro Bank's strongest measure in Q2 2026 is efficiency ratio (44.72% vs. a 61.57% peer median). Its weakest relative measure is net interest margin (3.69% vs. 3.76%).
| Measure | First Metro Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.62% | 1.20% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.69% | 3.76% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.72% | 61.57% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $7.4M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.44% | 72.73% | Context |
What it means for lending operations
Its efficiency ratio of 44.72% is better than the 61.57% 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
- CommerceOne Bank Birmingham, AL · $1.06B
- AuburnBank Auburn, AL · $1.09B
- West Alabama Bank & Trust Reform, AL · $929M
- First Southern State Bank Stevenson, AL · $893M
- Traditions Bank Cullman, AL · $891M
- Central State Bank Calera, AL · $891M
Questions about First Metro Bank
How big is First Metro Bank?
First Metro Bank, established in 1988, is headquartered in Muscle Shoals, AL. It reported $1.01B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is First Metro Bank's return on assets?
1.62% annualized in Q2 2026, against a 1.20% median for 20 AL banks with half to twice its assets, ahead of 80% of them.
What is First Metro Bank's efficiency ratio?
44.72% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 61.57%, and lower is better.
Is First Metro Bank growing its loans?
Net loans grew 6.7% over the year to Q2 2026, while deposits grew 0.0%.
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 AL 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 Alabama bank ranked.