Metro City Bank: how it compares with its peers
Against 386 U.S. banks with half to twice its assets, Metro City Bank's strongest measure in Q2 2026 is efficiency ratio (40.33% vs. a 57.40% peer median). Its weakest relative measure is net interest margin (4.08% vs. 3.66%).
| Measure | Metro City Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.94% | 1.29% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.08% | 3.66% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 40.33% | 57.40% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.5M | $9.4M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 111.54% | 88.67% | Context |
What it means for lending operations
Its efficiency ratio of 40.33% is better than the 57.40% 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
- Arrow Bank National Association Glens Falls, NY · $4.46B
- ChoiceOne Bank Sparta, MI · $4.45B
- Capital City Bank Tallahassee, FL · $4.45B
- First Federal Bank Lake City, FL · $4.49B
- Texas Exchange Bank Crowley, TX · $4.49B
- HomeTrust Bank Asheville, NC · $4.44B
Questions about Metro City Bank
How big is Metro City Bank?
Metro City Bank, established in 2006, is headquartered in Doraville, GA. It reported $4.47B in total assets in its Q2 2026 FDIC call report and operates 27 offices.
What is Metro City Bank's return on assets?
1.94% annualized in Q2 2026, against a 1.29% median for 386 U.S. banks with half to twice its assets, ahead of 87% of them.
What is Metro City Bank's efficiency ratio?
40.33% in Q2 2026: it spent about 40 cents in noninterest expense for each dollar of revenue. The peer median is 57.40%, and lower is better.
Is Metro City Bank growing its loans?
Net loans grew 26.5% over the year to Q2 2026, while deposits grew 29.5%.
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 U.S. 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 Georgia bank ranked.