Metro Bank: how it compares with its peers
Against 20 AL banks with half to twice its assets, Metro Bank's strongest measure in Q2 2026 is efficiency ratio (50.98% vs. a 61.57% peer median). Its weakest relative measure is net interest margin (3.50% vs. 3.76%).
| Measure | Metro Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.41% | 1.22% | Top third Ahead of 70% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.50% | 3.76% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.98% | 61.57% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $7.5M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.43% | 72.73% | Context |
What it means for lending operations
Its efficiency ratio of 50.98% 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
- Citizens Bank & Trust Guntersville, AL · $1.20B
- First US Bank Birmingham, AL · $1.15B
- AuburnBank Auburn, AL · $1.09B
- CommerceOne Bank Birmingham, AL · $1.06B
- First Metro Bank Muscle Shoals, AL · $1.01B
- SouthPoint Bank Birmingham, AL · $1.36B
Questions about Metro Bank
How big is Metro Bank?
Metro Bank, established in 1989, is headquartered in Pell City, AL. It reported $1.18B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Metro Bank's return on assets?
1.41% annualized in Q2 2026, against a 1.22% median for 20 AL banks with half to twice its assets, ahead of 70% of them.
What is Metro Bank's efficiency ratio?
50.98% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 61.57%, and lower is better.
Is Metro Bank growing its loans?
Net loans grew 1.9% over the year to Q2 2026, while deposits grew 2.0%.
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.