Metro Bank
Pell City, AL
IDRSSD: 1394621
Total Assets
$1.15B
Latest filing
Total Deposits
$979.73M
Latest filing
Net Interest Margin
3.78%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Union State Bank
Pell City, Alabama
→
Assets: $216.03MΔ -81.2%
First US Bank
Birmingham, Alabama
→
Assets: $1.14BΔ -0.6%
First Bank of Alabama
Talladega, Alabama
→
Assets: $1.11BΔ -3.5%
Citizens Bank & Trust
Guntersville, Alabama
→
Assets: $1.09BΔ -5.4%
AuburnBank
Auburn, Alabama
→
Assets: $1.03BΔ -10.5%
First Metro Bank
Muscle Shoals, Alabama
→
Assets: $998.33MΔ -13.2%
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 | 156 |
| 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 | 11/14/2025 |
| CERT | 27510 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.15B |
| Total Deposits | $979.73M |
| Total Liabilities | $987.11M |
| Total Equity Capital | $162.67M |
| Net Income | $4.88M |
| Net Loans and Leases | $587.63M |
| Assets Per Employee ($Millions) | $7.32M |
| Bank Premises and Fixed Assets | $11.77M |
| Cash and Balances due from Depository Institutions | $142.49M |
| Deposits Held in Domestic Offices | $979.73M |
Key Performance Ratios
| Return on Assets (ROA) | 1.7% |
| Return on Equity (ROE) | 12.23% |
| Net Interest Margin | 3.78% |
| Efficiency Ratio | 48.42% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.148% |
| Earning Assets to total Assets | 96.4% |
Income and Expense
| Total Interest Income | $14.84M |
| Total Noninterest Income | $1.34M |
| Total Interest Expense | $4.37M |
| Total Noninterest Expense | $5.71M |
| Net Interest Income | $10.47M |
| Pre-tax Net Operating Income | $6.09M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.11M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.83M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.38M |
| Total Liabilities and Capital | $1.15B |
Securities
| Securities | $388.60M |
| Available-for-sale debt securities | $66.33M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $322.27M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Metro Bank?
$1.15B as of the latest filing.
How much are Metro Bank's total deposits?
$979.73M in total deposits.
Where is Metro Bank located?
Pell City, AL.
What is the Net Interest Margin?
3.78%.
How many domestic offices does it operate?
9.
When was it established?
05/30/1989.
What is the Return on Assets (ROA)?
1.7%.
How much are total loans and leases?
$587.63M (latest filing).
What is the total interest income (latest filing)?
$14.84M.