First Metro Bank
Muscle Shoals, AL
IDRSSD: 1222519
Total Assets
$1.01B
Latest filing
Total Deposits
$893.39M
Latest filing
Net Interest Margin
3.92%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Metro Bank
406 Avalon Ave
Muscle Shoals, AL 35661
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/07/1988FDIC Certificate 39709
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Metro Bank (Main) | 406 Avalon Ave | Muscle Shoals, AL |
| MAIN STREET BRANCH | 301 N Main St | Tuscumbia, AL |
| RUSSELLVILLE BRANCH | 15315 Highway 43 | Russellville, AL |
| PINE STREET BRANCH | 325 S Pine St | Florence, AL |
| FLORENCE BRANCH | 2708 Hough Rd | Florence, AL |
| LEXINGTON BRANCH | 11277 Highway 101 | Lexington, AL |
| HIGHWAY 43 BRANCH | 7400 Highway 43 | Florence, AL |
| CLOVERDALE ROAD BRANCH | 3121 Cloverdale Rd | Florence, AL |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/07/1988 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35661 |
| State and County Number | 01033 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Florence-Muscle Shoals, AL |
Operational Info
| Number of Employees | 130 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/07/1988 |
| Primary Insurance Agency | DIF |
| Website | http://www.firstmetro.com |
| Data Updated | 01/30/2026 |
| CERT | 27381 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.01B |
| Total Deposits | $893.39M |
| Total Liabilities | $898.83M |
| Total Equity Capital | $108.66M |
| Net Income | $4.48M |
| Net Loans and Leases | $580.98M |
| Assets Per Employee ($Millions) | $7.58M |
| Bank Premises and Fixed Assets | $15.77M |
| Cash and Balances due from Depository Institutions | $81.82M |
| Deposits Held in Domestic Offices | $893.39M |
Key Performance Ratios
| Return on Assets (ROA) | 1.79% |
| Return on Equity (ROE) | 16.58% |
| Net Interest Margin | 3.92% |
| Efficiency Ratio | 43.48% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.785% |
| Earning Assets to total Assets | 96.08% |
Income and Expense
| Total Interest Income | $12.90M |
| Total Noninterest Income | $1.05M |
| Total Interest Expense | $3.47M |
| Total Noninterest Expense | $4.55M |
| Net Interest Income | $9.43M |
| Pre-tax Net Operating Income | $5.59M |
| Provision for Credit Losses | $332.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $362.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $61.53M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.44M |
| Total Liabilities and Capital | $1.01B |
Securities
| Securities | $255.65M |
| Available-for-sale debt securities | $246.35M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $9.30M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Metro Bank?
$1.01B as of the latest filing.
How much are First Metro Bank's total deposits?
$893.39M in total deposits.
Where is First Metro Bank located?
Muscle Shoals, AL.
What is the Net Interest Margin?
3.92%.
How many domestic offices does it operate?
11.
When was it established?
11/07/1988.
What is the Return on Assets (ROA)?
1.79%.
How much are total loans and leases?
$580.98M (latest filing).
What is the total interest income (latest filing)?
$12.90M.