Metro City Bank


5114 Buford Hwy Ne
Doraville, GA 30340
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Notable Rates APY Vs.Others
Savings 0.50% 4.35% →
1-Year CD 0.33% 5.00% →
2-Year CD 0.33% 4.75% →
5-Year CD 0.33% 4.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

Metro City Bank is an FDIC insured institution located in Doraville, GA. It was founded in 2006 and has approximately $3.16 billion in assets. Customers can open an account at one of its 15 branches.

FDIC Insured Yes
FDIC Certificate # 58181
Date Established 2006
Assets $ 3.16 billion
Loans $ 2.76 billion
Deposits $ 2.44 billion
Capital $ 315.74 million

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.

Deposit Rates - February 2, 2023

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.50% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.63% $25,000 $29,999 Learn More
6 Mo CD
0.33% $10,000 $14,999 Learn More
6 Mo CD
0.33% $100,000 $199,999 Learn More
12 Mo CD
0.33% $10,000 $14,999 Learn More
12 Mo CD
0.33% $100,000 $199,999 Learn More
18 Mo CD
0.33% $10,000 $14,999 Learn More
18 Mo CD
0.33% $100,000 $199,999 Learn More
24 Mo CD
0.33% $10,000 $14,999 Learn More
24 Mo CD
0.33% $100,000 $199,999 Learn More
36 Mo CD
0.33% $10,000 $14,999 Learn More
36 Mo CD
0.33% $100,000 $199,999 Learn More
48 Mo CD
0.33% $10,000 $14,999 Learn More
48 Mo CD
0.33% $100,000 $199,999 Learn More
60 Mo CD
0.33% $10,000 $14,999 Learn More
60 Mo CD
0.33% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.30% $2,500 $3,499 Learn MoreShow Less

Loan Rates - February 2, 2023

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 2023

Lender APR Rate (%) Monthly
Learn More
NMLS ID: Not lender

Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 6.990 %
After Intro: 8.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.740 %
$0 Learn More
More Info

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

Climate Initiatives

Metro City Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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
7.08% 4.06%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 June 30, 2022, Metro City Bank had $19,966,000 in non-current loans and $3,562,000 in owned real estate. To cover these potential losses it had $315,737,000 in equity and $16,677,000 in loans loss reserves. That gives it a Texas Ratio of 7.08%.

Return on Equity
Metro City Bank U.S. Bank Average
23.93% 9.98%

Metro City Bank has a Return on Equity of 23.93% versus the BestCashCow average of 9.98%. 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
9.98% 10.23%

Metro City Bank has a Capitalization of 9.98% versus the BestCashCow average of 10.23. 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 June 30, 2022, Metro City Bank had assets of $3,163,435,000, loans of $2,757,412,000, and deposits of $2,441,813,000. 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.

Summary Balance Sheet

June 30, 2022
Cash & Balances due from depository institutions $ 207.34 million
Interest-bearing balances $ 180.21 million
Total securities $ 32.17 million
Federal funds sold and reverse repurchase $ 3.07 million
Net loans and leases $ 2.76 billion
Loan loss allowance $ 16.68 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 3.56 million
Goodwill and other intangibles $ 14.31 million
All other assets $ 124.21 million
     Total Assets $ 2.85 billion
Total deposits $ 2.44 billion
      Interest-bearing deposits $ 1,783.27 million
      Deposits held in domestic offices $ 2.44 billion
      % insured (estimated) 71.53%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 375.40 million
Subordinated debt N.A.
All other liabilities $ 30.49 million
      Total Liabilities $ 2.85 billion
      Shareholders’ Equity $ 315.74 million

Summary Income Statement

June 30, 2022
Total Interest Income $ 64.98 million
Total Interest Expense $ 4.12 million
Net interest income $ 60.86 million
Provision for loan and lease losses $ 0.10 million
Total non interest income $ 12.36 million
Total non interest expense $ 24.58 million
Pre-tax Net Operating Income $ 48.53 million

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 75.89
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 4.57
Construction and Development Loans 1.63
Commercial Real Estate 20.22
Commercial and Industrial Loans 2.10
Farm Loans 0.00

Customer Reviews for Metro City Bank

  • March 29, 2020

    have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who knows they were approved 3 weeks after application ...... don't know why the stall but my lawyer can't get any answers

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