Metro Phoenix Bank

4686 E. Van Buren, Suite 150
Phoenix, AZ 85008

Notable Rates APY Vs.Others
Savings 0.20% 1.90% →
1-Year CD 1.00% 1.90% →
2-Year CD 1.11% 1.95% →
5-Year CD 1.26% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

Metro Phoenix Bank is an FDIC insured institution located in Phoenix, AZ. It was founded in 2007 and has approximately $0.24 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58402
Date Established 2007
Assets $0.24 billion
Loans $0.17 billion
Deposits $0.21 billion
Capital $0.03 billion

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

Deposit Rates - April 7, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $1 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $99,999 Learn MoreShow Less
3 Mo CD
0.25% $5,000 - Learn MoreShow Less
6 Mo CD
0.55% $5,000 - Learn MoreShow Less

Fixed IRA
1.00% $5,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $999 Learn MoreShow Less
Int Ckg
0.10% $1,000 $9,999 Learn MoreShow Less

Loan Rates - April 7, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Metro Phoenix Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Metro Phoenix Bank
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Financial Details

Metro Phoenix Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Metro Phoenix 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 Phoenix Bank U.S. Bank Average
0.19% 6.51%

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 December 31, 2019, Metro Phoenix Bank had $68,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $33,487,000 in equity and $1,875,000 in loans loss reserves. That gives it a Texas Ratio of 0.19%.

Return on Equity
Metro Phoenix Bank U.S. Bank Average
6.62% 9.41%

Metro Phoenix Bank has a Return on Equity of 6.62% versus the BestCashCow average of 9.41%. 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 Phoenix Bank U.S. Bank Average
13.76% 12.82%

Metro Phoenix Bank has a Capitalization of 13.76% versus the BestCashCow average of 12.82. 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 Phoenix Bank Balance Sheet Analysis

As of December 31, 2019, Metro Phoenix Bank had assets of $243,326,000, loans of $167,002,000, and deposits of $205,084,000. 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

December 31, 2019
Cash & Balances due from depository institutions $0.07 billion
Interest-bearing balances $0.06 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.17 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.21 billion
Total deposits $0.21 billion
      Interest-bearing deposits $0.15 billion
      Deposits held in domestic offices $0.21 billion
      % insured (estimated) 68.89%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.21 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

December 31, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Metro Phoenix Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks, Metro Phoenix Bank’s loan portfolio does not show any specific loan specialty.

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 9.20
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 14.47
Construction and Development Loans 10.30
Commercial Real Estate 52.62
Commercial and Industrial Loans 27.38
Farm Loans 0.05

Frequently Asked Questions About Metro Phoenix Bank

Branches and Savings

Is Metro Phoenix Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58402.

Why does Metro Phoenix 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 Phoenix Bank CD rates not competitive?

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

Is Metro Phoenix Bank a commercial bank?


Where are Metro Phoenix Bank locations?

See branch locations nearby.

Is Metro Phoenix Bank open on Saturdays?

Is Metro Phoenix Bank open on Sundays?

What time does Metro Phoenix Bank open?

What time does Metro Phoenix Bank close?

Are Metro Phoenix Bank ATMs Open 24/7?

Do Metro Phoenix Bank ATMs accept cash deposits?

Can Metro Phoenix Bank customers use other ATMs?

Do Metro Phoenix Bank branches have notaries?

Will Metro Phoenix Bank notarize my document?

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

Will the Metro Phoenix Bank branch print checks?

Do Metro Phoenix Bank checks expire?

Does Metro Phoenix Bank require US citizenship to open account?

Can Metro Phoenix Bank close my account?

Does Metro Phoenix Bank Report to credit bureaus?

Does Metro Phoenix Bank Use Equifax?

What is Metro Phoenix Bank's ACH Routing Number?

What is Metro Phoenix Bank's SWIFT code?


Does Metro Phoenix Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Metro Phoenix Bank offer personal loans?

Compare personal loan rates here.

Does Metro Phoenix Bank offer student loans?

Will Metro Phoenix Bank cash a check?

Will Metro Phoenix Bank redeem a savings bond?

Does Metro Phoenix Bank cash savings bonds?

Will Metro Phoenix Bank cash money orders?

Can Metro Phoenix Bank issue a money order?

Does Metro Phoenix Bank do currency exchange?

Background on The Bank

Who owns Metro Phoenix Bank?

How long has Metro Phoenix Bank been around?

Can Metro Phoenix Bank transfer to other banks?

Does Metro Phoenix Bank have quick pay?

Does Metro Phoenix Bank accept rolled coins?

Will Metro Phoenix Bank accept loose change?

Where is Metro Phoenix Bank headquarters?

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