US Metro Bank

Headquarters

9866 Garden Grove Boulevard
Garden Grove, CA 92844
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.65% 0.70% →
2-Year CD 0.65% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

US Metro Bank is an FDIC insured institution located in Garden Grove, CA. It was founded in 2006 and has approximately $0.77 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 58310
Date Established 2006
Assets $ 766.99 million
Loans $ 584.99 million
Deposits $ 668.29 million
Capital $ 87.54 million
 

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

Deposit Rates - June 12, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.55% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.50% $1 $999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - June 12, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for US Metro 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 2021

Lender APR Rate (%) Monthly
Payment
Learn More
CIT Bank
NMLS ID: 541760
2.945% 2.875%
0.88 points
$2,268 fees
$1,038 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.678% 2.625%
0.75 points
$1,732 fees
$1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to US Metro Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

US Metro Bank 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


US Metro Bank Locations


Financial Details

US Metro Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of US Metro Bank. 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
US Metro Bank U.S. Bank Average
1.9% 5.49%

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, 2020, US Metro Bank had $1,839,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $87,537,000 in equity and $9,361,000 in loans loss reserves. That gives it a Texas Ratio of 1.9%.

Return on Equity
US Metro Bank U.S. Bank Average
7.59% 9.24%

US Metro Bank has a Return on Equity of 7.59% versus the BestCashCow average of 9.24%. 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
US Metro Bank U.S. Bank Average
11.41% 11.96%

US Metro Bank has a Capitalization of 11.41% versus the BestCashCow average of 11.96. 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.

US Metro Bank Balance Sheet Analysis

As of December 31, 2020, US Metro Bank had assets of $766,987,000, loans of $584,988,000, and deposits of $668,285,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 163.81 million
Interest-bearing balances $ 152.43 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 584.99 million
Loan loss allowance $ 9.36 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.51 million
All other assets $ 9.93 million
     Total Assets $ 679.45 million
LIABILITIES
Total deposits $ 668.29 million
      Interest-bearing deposits $ 475.25 million
      Deposits held in domestic offices $ 668.29 million
      % insured (estimated) 50.81%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 8.86 million
Subordinated debt N.A.
All other liabilities $ 2.30 million
      Total Liabilities $ 679.45 million
      Shareholders’ Equity $ 87.54 million

Summary Income Statement

December 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 26.17 million
Total Interest Expense $ 4.93 million
Net interest income $ 21.24 million
Provision for loan and lease losses $ 4.45 million
Total non interest income $ 6.51 million
Total non interest expense $ 15.63 million
Pre-tax Net Operating Income $ 7.66 million

Bank Loan Profile?

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

Compared to other banks, US Metro 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 1.70
Multifamily
Mortgages
5.87
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 10.53
Construction and Development Loans 2.68
Commercial Real Estate 56.73
Commercial and Industrial Loans 20.56
Farm Loans 0.00

Frequently Asked Questions About Us Metro Bank

Branches and Savings

Is Us Metro Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58310.

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

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

Why are Us Metro Bank CD rates not competitive?

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

Is Us Metro Bank a commercial bank?

Yes

Where are Us Metro Bank locations?

See branch locations nearby.

Is Us Metro Bank open on Saturdays?

Is Us Metro Bank open on Sundays?

What time does Us Metro Bank open?

What time does Us Metro Bank close?

Are Us Metro Bank ATMs Open 24/7?

Do Us Metro Bank ATMs accept cash deposits?

Can Us Metro Bank customers use other ATMs?

Do Us Metro Bank branches have notaries?

Will Us Metro Bank notarize my document?

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

Will the Us Metro Bank branch print checks?

Do Us Metro Bank checks expire?

Does Us Metro Bank require US citizenship to open account?

Can Us Metro Bank close my account?

Does Us Metro Bank Report to credit bureaus?

Does Us Metro Bank Use Equifax?

What is Us Metro Bank's ACH Routing Number?

What is Us Metro Bank's SWIFT code?

Products

Does Us Metro Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Us Metro Bank offer personal loans?

Compare personal loan rates here.

Does Us Metro Bank offer student loans?

Will Us Metro Bank cash a check?

Will Us Metro Bank redeem a savings bond?

Does Us Metro Bank cash savings bonds?

Will Us Metro Bank cash money orders?

Can Us Metro Bank issue a money order?

Does Us Metro Bank do currency exchange?

Background on The Bank

Who owns Us Metro Bank?

How long has Us Metro Bank been around?

Can Us Metro Bank transfer to other banks?

Does Us Metro Bank have quick pay?

Does Us Metro Bank accept rolled coins?

Will Us Metro Bank accept loose change?

Where is Us Metro Bank headquarters?

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