Metro Bank
Pell City, AL
IDRSSD: 1394621
Total Assets
$1.18B
Latest filing
Total Deposits
$1.01B
Latest filing
Net Interest Margin
3.64%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Metro Bank
800 Martin St S
Pell City, AL 35128
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/30/1989FDIC Certificate 40243
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Metro Bank (Main) | 800 Martin St S | Pell City, AL |
| RAGLAND BRANCH | 1164 Main St | Ragland, AL |
| LINCOLN BRANCH | 47537 Us Highway 78 | Lincoln, AL |
| HEFLIN BRANCH | 1022 Coleman St | Heflin, AL |
| PELL CITY REMOTE BRANCH | 18500 Us Highway 231 | Pell City, AL |
| ASHVILLE BRANCH | 35489 Ushwy 231 | Ashville, AL |
| SOUTHSIDE BRANCH | 2325 Highway 77 | Southside, AL |
| MARTIN STREET BRANCH | 1920 Martin St S | Pell City, AL |
Showing 7 of 8
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 | 05/30/1989 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35128 |
| State and County Number | 01115 |
| 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 | Birmingham-Hoover, AL |
Operational Info
| Number of Employees | 157 |
| Domestic Offices | 9 |
| 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 | 05/30/1989 |
| Primary Insurance Agency | DIF |
| Website | http://www.metrobankpc.com |
| Data Updated | 01/30/2026 |
| CERT | 27510 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.18B |
| Total Deposits | $1.01B |
| Total Liabilities | $1.01B |
| Total Equity Capital | $162.04M |
| Net Income | $4.18M |
| Net Loans and Leases | $587.79M |
| Assets Per Employee ($Millions) | $7.44M |
| Bank Premises and Fixed Assets | $11.76M |
| Cash and Balances due from Depository Institutions | $150.06M |
| Deposits Held in Domestic Offices | $1.01B |
Key Performance Ratios
| Return on Assets (ROA) | 1.44% |
| Return on Equity (ROE) | 10.3% |
| Net Interest Margin | 3.64% |
| Efficiency Ratio | 46.53% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.783% |
| Earning Assets to total Assets | 96.6% |
Income and Expense
| Total Interest Income | $14.52M |
| Total Noninterest Income | $1.39M |
| Total Interest Expense | $4.30M |
| Total Noninterest Expense | $5.40M |
| Net Interest Income | $10.22M |
| Pre-tax Net Operating Income | $5.75M |
| Provision for Credit Losses | $450.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $899.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $25.30M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.49M |
| Total Liabilities and Capital | $1.18B |
Securities
| Securities | $388.96M |
| Available-for-sale debt securities | $65.13M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $323.82M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Metro Bank?
$1.18B as of the latest filing.
How much are Metro Bank's total deposits?
$1.01B in total deposits.
Where is Metro Bank located?
Pell City, AL.
What is the Net Interest Margin?
3.64%.
How many domestic offices does it operate?
9.
When was it established?
05/30/1989.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$587.79M (latest filing).
What is the total interest income (latest filing)?
$14.52M.