Metro City Bank

5441 Buford Highway
Doraville, GA 30340


General Bank Information

FDIC Insured Yes
FDIC Certificate # 58181
Date Established 2006
Assets $1.25 billion
Loans $1.07 billion
Deposits $0.99 billion
Capital $0.12 billion

Metro City Bank is an FDIC insured institution located in Doraville, GA. It was founded in 2006 and has approximately $1.25 billion in assets. Customers can open an account at one of its 13 branches.

For a more detailed analysis of Metro City Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Metro City Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Georgia, Metro City Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 58.93
Credit Card Loans 0.00
Consumer Auto Loans 1.09
Small Business Loans 6.50
Construction and Development Loans 4.19
Commercial Real Estate 32.48
Commercial and Industrial Loans 2.93
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.38% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.44% $1,000 - Learn MoreShow Less
Special: 10 Mo CD
1.80% $1,000 - Learn MoreShow Less
12 Mo CD 10K
0.84% $1,000 - Learn MoreShow Less
Special: 18 Mo CD
1.85% $1,000 - Learn MoreShow Less
18 Mo CD 10K
0.70% $1,000 - Learn MoreShow Less
24 Mo CD 10K
0.82% $1,000 - Learn MoreShow Less
36 Mo CD 10K
0.94% $1,000 - Learn MoreShow Less
48 Mo CD 10K
1.04% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.10% $250 - Learn MoreShow Less
Fixed IRA 0K
0.84% $1,000 - Learn MoreShow Less
MM 2.5K
0.10% $1,000 $7,499 Learn MoreShow Less
MM 10K
0.10% $7,500 $14,999 Learn MoreShow Less
MM 25K
0.30% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Metro City Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Ally Mortgage
NMLS ID: 181005
4.431% 4.375% 0.38 $1,746 $1,249 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.266% 4.250% -0.25 $580 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.029% 4.990% 0.13 $1,112 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
5.029% 4.990% 0.13 $1,112 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.740% $231.27 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Metro City Bank
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Metro City Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Metro City Bank Locations

Financial Details

Metro City Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Metro City Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Metro City Bank U.S. Bank Average
5.29% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Metro City Bank had $6,258,000 in non-current loans and $610,000 in owned real estate. To cover these potential losses it had $123,760,000 in equity and $6,150,000 in loans loss reserves. That gives it a Texas Ratio of 5.29%.

Return on Equity
Metro City Bank U.S. Bank Average
26.24% 8.84%

Metro City Bank has a Return on Equity of 26.24% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Metro City Bank U.S. Bank Average
9.93% 12.21%

Metro City Bank has a Capitalization of 9.93% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Metro City Bank Balance Sheet Analysis

As of September 30, 2017, Metro City Bank had assets of $1,245,824,000, loans of $1,072,292,000, and deposits of $986,919,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Metro City Bank

Branches and Savings

Is Metro City Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58181.

Why does Metro City Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Metro City Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Metro City Bank a commercial bank?


Where are Metro City Bank locations?

See branch locations nearby.

Is Metro City Bank open on Saturdays?

Is Metro City Bank open on Sundays?

What time does Metro City Bank open?

What time does Metro City Bank close?

Are Metro City Bank ATMs Open 24/7?

Do Metro City Bank ATMs accept cash deposits?

Can Metro City Bank customers use other ATMs?

Do Metro City Bank branches have notaries?

Will Metro City Bank notarize my document?

What address for Metro City Bank should I put for incoming ACH transfers?

Will the Metro City Bank branch print checks?

Do Metro City Bank checks expire?

Does Metro City Bank require US citizenship to open account?

Can Metro City Bank close my account?

Does Metro City Bank Report to credit bureaus?

Does Metro City Bank Use Equifax?

What is Metro City Bank's ACH Routing Number?

What is Metro City Bank's SWIFT code?


Does Metro City Bank offer mortgages?

Compare mortgage rates here.

Does Metro City Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Metro City Bank offer personal loans?

Compare personal loan rates here.

Does Metro City Bank offer student loans?

Will Metro City Bank cash a check?

Will Metro City Bank redeem a savings bond?

Does Metro City Bank cash savings bonds?

Will Metro City Bank cash money orders?

Can Metro City Bank issue a money order?

Does Metro City Bank do currency exchange?

Background on The Bank

Who owns Metro City Bank?

How long has Metro City Bank been around?

Can Metro City Bank transfer to other banks?

Does Metro City Bank have quick pay?

Does Metro City Bank accept rolled coins?

Will Metro City Bank accept loose change?

Where is Metro City Bank headquarters?

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