US Metro Bank: how it compares with its peers
Against 35 CA banks with half to twice its assets, US Metro Bank's strongest measure in Q2 2026 is efficiency ratio (60.42% vs. a 58.13% peer median). Its weakest relative measure is assets per employee ($8.0M vs. $10.5M).
| Measure | US Metro Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.11% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.42% | 3.92% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.42% | 58.13% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $10.5M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.19% | 89.28% | Context |
What it means for lending operations
Its efficiency ratio of 60.42% is above the 58.13% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- FFB Bank Fresno, CA · $1.62B
- Malaga Bank F.S.B. Palos Verdes Peninsula, CA · $1.45B
- American Riviera Bank Santa Barbara, CA · $1.44B
- State Bank of India (California) Los Angeles, CA · $1.38B
- The Bank of New York Mellon Trust Company, National Association Los Angeles, CA · $1.37B
- First Northern Bank of Dixon Dixon, CA · $1.93B
Questions about US Metro Bank
How big is US Metro Bank?
US Metro Bank, established in 2006, is headquartered in Garden Grove, CA. It reported $1.64B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is US Metro Bank's return on assets?
1.01% annualized in Q2 2026, against a 1.11% median for 35 CA banks with half to twice its assets, ahead of 31% of them.
What is US Metro Bank's efficiency ratio?
60.42% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 58.13%, and lower is better.
Is US Metro Bank growing its loans?
Net loans grew 11.5% over the year to Q2 2026, while deposits grew 12.2%.
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.