Metropolitan Commercial Bank: how it compares with its peers
Against 19 NY banks with half to twice its assets, Metropolitan Commercial Bank's strongest measure in Q2 2026 is net interest margin (4.20% vs. a 2.89% peer median). Its weakest relative measure is efficiency ratio (52.19% vs. 54.79%).
| Measure | Metropolitan Commercial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.23% | 0.99% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.20% | 2.89% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.19% | 54.79% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $25.5M | $10.6M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.46% | 87.54% | Context |
What it means for lending operations
Its efficiency ratio of 52.19% is better than the 54.79% 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
- Tompkins Bank & Trust Ithaca, NY · $8.79B
- Amalgamated Bank New York, NY · $9.41B
- Ridgewood Savings Bank Ridgewood, NY · $7.55B
- Bank of India New York, NY · $7.42B
Questions about Metropolitan Commercial Bank
How big is Metropolitan Commercial Bank?
Metropolitan Commercial Bank, established in 1999, is headquartered in New York, NY. It reported $8.86B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Metropolitan Commercial Bank's return on assets?
1.23% annualized in Q2 2026, against a 0.99% median for 19 NY banks with half to twice its assets, ahead of 79% of them.
What is Metropolitan Commercial Bank's efficiency ratio?
52.19% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 54.79%, and lower is better.
Is Metropolitan Commercial Bank growing its loans?
Net loans grew 11.1% over the year to Q2 2026, while deposits grew 13.9%.
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 NY 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 New York bank ranked.