The City National Bank of Metropolis

423 Ferry Street
Metropolis, IL 62960

Notable Rates APY Vs.Others
Savings 0.50% 2.25% →
1-Year CD 1.71% 2.25% →
2-Year CD 1.71% 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

The City National Bank of Metropolis is an FDIC insured institution located in Metropolis, IL. It was founded in 1908 and has approximately $0.38 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 3814
Date Established 1908
Assets $0.38 billion
Loans $0.17 billion
Deposits $0.30 billion
Capital $0.05 billion
 

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

Deposit Rates - December 16, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.70% $2,500 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
1.61% $500 - Learn MoreShow Less
6 Mo CD
1.61% $500 - Learn MoreShow Less
12 Mo CD
1.71% $500 - Learn MoreShow Less
18 Mo CD
1.71% $500 - Learn MoreShow Less
24 Mo CD
1.71% $500 - Learn MoreShow Less
30 Mo CD
1.71% $500 - Learn MoreShow Less
36 Mo CD
1.71% $500 - Learn MoreShow Less
48 Mo CD
1.71% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.71% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1,000 - Learn MoreShow Less

Loan Rates - December 16, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The City National Bank of Metropolis

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.625% 3.625% -0.13 ($222) $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
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Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
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Note to The City National Bank of Metropolis
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Branches

The City National Bank of Metropolis branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The City National Bank of Metropolis Locations


Financial Details

The City National Bank of Metropolis Ratio Analysis

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

Texas Ratio
The City National Bank of Metropolis U.S. Bank Average
8.25% 6.77%

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 June 30, 2019, The City National Bank of Metropolis had $4,371,000 in non-current loans and $186,000 in owned real estate. To cover these potential losses it had $52,653,000 in equity and $2,588,000 in loans loss reserves. That gives it a Texas Ratio of 8.25%.

Return on Equity
The City National Bank of Metropolis U.S. Bank Average
6.13% 9.50%

The City National Bank of Metropolis has a Return on Equity of 6.13% versus the BestCashCow average of 9.50%. 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.

Capitalization
The City National Bank of Metropolis U.S. Bank Average
13.76% 12.76%

The City National Bank of Metropolis has a Capitalization of 13.76% versus the BestCashCow average of 12.76. 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.

The City National Bank of Metropolis Balance Sheet Analysis

As of June 30, 2019, The City National Bank of Metropolis had assets of $382,761,000, loans of $168,353,000, and deposits of $300,261,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.18 billion
Federal funds sold and reverse repurchase $0.00 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 $0.33 billion
LIABILITIES
Total deposits $0.30 billion
      Interest-bearing deposits $0.27 billion
      Deposits held in domestic offices $0.30 billion
      % insured (estimated) 77.13%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.33 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The City National Bank of Metropolis’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Illinois, The City National Bank of Metropolis 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.61
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 4.49
Small Business Loans 7.10
Construction and Development Loans 2.90
Commercial Real Estate 19.57
Commercial and Industrial Loans 7.74
Farm Loans 7.30

Frequently Asked Questions About The City National Bank Of Metropolis

Branches and Savings

Is The City National Bank Of Metropolis FDIC insured?

Yes. It is covered under FDIC Certificate #3814.

Why does The City National Bank Of Metropolis pay such low interest on savings accounts?

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

Why are The City National Bank Of Metropolis CD rates not competitive?

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

Is The City National Bank Of Metropolis a commercial bank?

Yes

Where are The City National Bank Of Metropolis locations?

See branch locations nearby.

Is The City National Bank Of Metropolis open on Saturdays?

Is The City National Bank Of Metropolis open on Sundays?

What time does The City National Bank Of Metropolis open?

What time does The City National Bank Of Metropolis close?

Are The City National Bank Of Metropolis ATMs Open 24/7?

Do The City National Bank Of Metropolis ATMs accept cash deposits?

Can The City National Bank Of Metropolis customers use other ATMs?

Do The City National Bank Of Metropolis branches have notaries?

Will The City National Bank Of Metropolis notarize my document?

What address for The City National Bank Of Metropolis should I put for incoming ACH transfers?

Will the The City National Bank Of Metropolis branch print checks?

Do The City National Bank Of Metropolis checks expire?

Does The City National Bank Of Metropolis require US citizenship to open account?

Can The City National Bank Of Metropolis close my account?

Does The City National Bank Of Metropolis Report to credit bureaus?

Does The City National Bank Of Metropolis Use Equifax?

What is The City National Bank Of Metropolis's ACH Routing Number?

What is The City National Bank Of Metropolis's SWIFT code?

Products

Does The City National Bank Of Metropolis offer mortgages?

Compare mortgage rates here.

Does The City National Bank Of Metropolis offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The City National Bank Of Metropolis offer personal loans?

Compare personal loan rates here.

Does The City National Bank Of Metropolis offer student loans?

Will The City National Bank Of Metropolis cash a check?

Will The City National Bank Of Metropolis redeem a savings bond?

Does The City National Bank Of Metropolis cash savings bonds?

Will The City National Bank Of Metropolis cash money orders?

Can The City National Bank Of Metropolis issue a money order?

Does The City National Bank Of Metropolis do currency exchange?

Background on The Bank

Who owns The City National Bank Of Metropolis?

How long has The City National Bank Of Metropolis been around?

Can The City National Bank Of Metropolis transfer to other banks?

Does The City National Bank Of Metropolis have quick pay?

Does The City National Bank Of Metropolis accept rolled coins?

Will The City National Bank Of Metropolis accept loose change?

Where is The City National Bank Of Metropolis headquarters?

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