The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 5 points (79 → 84), mostly because the capital cushion component improved by 10 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Alabama

Yes. First Metro Bank is an FDIC-insured institution (FDIC certificate #27381). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.8% of deposits ($382.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.98%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

First Metro Bank lists 11 offices in 6 cities. Most locations:

• Florence, AL (4)
• Athens, AL (2)
• Muscle Shoals, AL (2)
• Lexington, AL (1)
• Russellville, AL (1)
• Tuscumbia, AL (1)

All branch addresses and map

In 2025, First Metro Bank reported 227 home-loan applications under HMDA (LEI 549300W8Q4KZC8LMAV19): 179 originated ($40,665,000 total), 15 denied, and 31 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Metro Bank

Type

State-chartered bank

FDIC certificate #

27381

RSSD ID

1222519

Primary regulator

FDIC

Holding company

First Metro Bcorp

Established

November 7, 1988

Headquarters

406 Avalon Ave, Muscle Shoals, AL 35661

Website

www.firstmetro.com

Employees

133