Metro Bank is a state-chartered bank headquartered in Pell City, Alabama, in business for about 37 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.0B in deposits, with 9 offices.
Metro Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 90% of its 897 banks with $1 billion – $10 billion. Among 93 banks headquartered in Alabama, it ranks 22nd. Capital cushion contributes the most (97/100, 14.68%); loan quality contributes the least (61/100, 1.18%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (87 → 80), mostly because the loan quality component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 87 |
| Q4 2024 | 82 |
| Q1 2025 | 83 |
| Q2 2025 | 87 |
| Q3 2025 | 90 |
| Q4 2025 | 78 |
| Q1 2026 | 73 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.87% |
| Q3 2024 | 14.88% |
| Q4 2024 | 13.70% |
| Q1 2025 | 13.99% |
| Q2 2025 | 14.42% |
| Q3 2025 | 14.54% |
| Q4 2025 | 14.40% |
| Q1 2026 | 14.43% |
| Q2 2026 | 14.68% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.55% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.68% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.14% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.65% |
| Q2 2026 | 1.18% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.48% |
| Q3 2024 | 1.53% |
| Q4 2024 | 1.52% |
| Q1 2025 | 1.53% |
| Q2 2025 | 1.58% |
| Q3 2025 | 1.62% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.17% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $1.2B | 14.68% | 1.18% | 1.41% | 58.4% |
| Q1 2026 | 73 | $1.2B | 14.43% | 1.65% | 1.17% | 57.1% |
| Q4 2025 | 78 | $1.2B | 14.40% | 1.38% | 1.57% | 58.4% |
| Q3 2025 | 90 | $1.1B | 14.54% | 0.14% | 1.62% | 60.0% |
| Q2 2025 | 87 | $1.1B | 14.42% | 0.48% | 1.58% | 58.5% |
| Q1 2025 | 83 | $1.1B | 13.99% | 0.68% | 1.53% | 56.9% |
| Q4 2024 | 82 | $1.1B | 13.70% | 0.78% | 1.52% | 57.1% |
| Q3 2024 | 87 | $1.1B | 14.88% | 0.58% | 1.53% | 57.5% |
| Q2 2024 | 88 | $1.1B | 14.87% | 0.55% | 1.48% | 58.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank & TrustBank Guntersville, AL | 67 out of 100, Moderate | $1.2B | 8.9% | 0.08% | vs |
| First US BankBank Birmingham, AL | 67 out of 100, Moderate | $1.1B | 9.2% | 0.15% | vs |
| AuburnBankBank Auburn, AL | 74 out of 100, Strong | $1.1B | 10.7% | 0.01% | vs |
| CommerceOne BankBank Birmingham, AL | 56 out of 100, Moderate | $1.1B | 9.0% | 0.00% | vs |
| First Metro BankBank Muscle Shoals, AL | 84 out of 100, Strong | $1.0B | 13.0% | 0.13% | vs |
| SouthPoint BankBank Birmingham, AL | 21 out of 100, Low | $1.4B | 6.9% | 3.54% | vs |
Deposit insurance
Is my money safe at Metro Bank?
Yes. Metro Bank is an FDIC-insured institution (FDIC certificate #27510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.0% of deposits ($371.6M) 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 14.68%, 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%).
9 locations
Branches
Metro Bank lists 7 offices in 7 cities. Most locations:
- Ashville, AL (1)
- Heflin, AL (1)
- Lincoln, AL (1)
- Moody, AL (1)
- Pell City, AL (1)
- Ragland, AL (1)
- Southside, AL (1)
Identity & history
Profile
- Legal name
- Metro Bank
- Type
- State-chartered bank
- FDIC certificate #
- 27510
- RSSD ID
- 1394621
- Primary regulator
- FDIC
- Established
- May 30, 1989
- Headquarters
- 800 Martin St S, Pell City, AL 35128
- Website
- www.metrobankpc.com
- Employees
- 159
Quick answers
Metro Bank: common questions
Is Metro Bank FDIC insured?
Yes. Metro Bank is an FDIC-insured institution (FDIC certificate #27510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Metro Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Metro Bank ever failed?
There is no failure record for FDIC certificate #27510 in the FDIC failed bank list.
How many branches does Metro Bank have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pell City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE | 98 out of 100, Very strong | $34.8M | 25.2% | 0.00% | vs |
| Aod Federal Credit UnionCredit union Bynum, AL | 89 out of 100, Very strong | $466.7M | 16.4% | 0.53% | vs |
| Coosa Pines Federal Credit UnionCredit union Childersburg, AL | 88 out of 100, Very strong | $420.8M | 16.2% | 0.87% | vs |
| Chem Family Credit UnionCredit union Anniston, AL | 88 out of 100, Very strong | $4.1M | 28.1% | 0.00% | vs |
| Sycamore Federal Credit UnionCredit union Sycamore, AL | 87 out of 100, Very strong | $77.1M | 16.4% | 0.89% | vs |
| Railroad Credit UnionCredit union Irondale, AL | 87 out of 100, Very strong | $100.6M | 14.4% | 0.07% | vs |