Headquartered in Doraville, Georgia, Metro City Bank is a state-chartered bank with $4.5B in total assets and $3.5B in deposits as of Q2 2026. It operates 27 offices across 8 states. Its charter dates back to 2006.
Metro City Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 897 banks with $1 billion – $10 billion. Among 124 banks headquartered in Georgia, it ranks 69th. Earnings contributes the most (97/100, 1.94%); funding & liquidity contributes the least (30/100, 112% loans-to-deposits, 33% uninsured).
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 3 points (76 → 73), mostly because the funding & liquidity component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 74 |
| Q4 2024 | 74 |
| Q1 2025 | 74 |
| Q2 2025 | 76 |
| Q3 2025 | 77 |
| Q4 2025 | 67 |
| Q1 2026 | 72 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.70% |
| Q3 2024 | 11.07% |
| Q4 2024 | 11.49% |
| Q1 2025 | 11.69% |
| Q2 2025 | 11.84% |
| Q3 2025 | 12.14% |
| Q4 2025 | 9.84% |
| Q1 2026 | 10.46% |
| Q2 2026 | 11.08% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.44% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.78% |
| Q3 2024 | 1.81% |
| Q4 2024 | 1.82% |
| Q1 2025 | 1.81% |
| Q2 2025 | 1.84% |
| Q3 2025 | 1.86% |
| Q4 2025 | 1.79% |
| Q1 2026 | 1.92% |
| Q2 2026 | 1.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $4.5B | 11.08% | 0.44% | 1.94% | 111.5% |
| Q1 2026 | 72 | $4.6B | 10.46% | 0.42% | 1.92% | 108.7% |
| Q4 2025 | 67 | $4.7B | 9.84% | 0.64% | 1.79% | 109.9% |
| Q3 2025 | 77 | $3.6B | 12.14% | 0.41% | 1.86% | 116.6% |
| Q2 2025 | 76 | $3.6B | 11.84% | 0.46% | 1.84% | 114.2% |
| Q1 2025 | 74 | $3.6B | 11.69% | 0.53% | 1.81% | 113.9% |
| Q4 2024 | 74 | $3.6B | 11.49% | 0.57% | 1.82% | 113.8% |
| Q3 2024 | 74 | $3.6B | 11.07% | 0.46% | 1.81% | 111.8% |
| Q2 2024 | 72 | $3.6B | 10.70% | 0.42% | 1.78% | 110.6% |
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 Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |
| Colony BankBank Fitzgerald, GA | 64 out of 100, Moderate | $3.6B | 10.0% | 0.76% | vs |
| Georgia Banking CompanyBank Atlanta, GA | 64 out of 100, Moderate | $3.3B | 10.8% | 0.67% | vs |
| Queensborough National Bank & Trust CompanyBank Louisville, GA | 62 out of 100, Moderate | $2.3B | 8.6% | 0.59% | vs |
| Thomasville National BankBank Thomasville, GA | 76 out of 100, Strong | $2.2B | 10.7% | 0.22% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
Deposit insurance
Is my money safe at Metro City Bank?
Yes. Metro City Bank is an FDIC-insured institution (FDIC certificate #58181). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.8% of deposits ($1.2B) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.04% (benchmark: 10%).
27 locations
Branches
Metro City Bank lists 27 offices in 22 cities across 8 states. Most locations:
- Suwanee, GA (3)
- Doraville, GA (2)
- Johns Creek, GA (2)
- Norcross, GA (2)
- Annandale, VA (1)
- Bayside, NY (1)
- Buena Park, CA (1)
- Carrollton, TX (1)
- Centreville, VA (1)
- Dallas, TX (1)
- Duluth, GA (1)
- Flushing, NY (1)
HMDA 2025
Mortgage lending
In 2025, Metro City Bank reported 1,392 home-loan applications under HMDA (LEI 254900TM81D0YC1B9584): 1,247 originated ($463,235,000 total), 41 denied, and 34 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.0%, 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.
Identity & history
Profile
- Legal name
- Metro City Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58181
- RSSD ID
- 3437456
- Primary regulator
- FDIC
- Holding company
- Metrocity Bankshares Inc
- Established
- April 4, 2006
- Headquarters
- 5114 Buford Hwy Ne, Doraville, GA 30340
- Website
- www.metrocitybank.bank
- Employees
- 309
Quick answers
Metro City Bank: common questions
Is Metro City Bank FDIC insured?
Yes. Metro City Bank is an FDIC-insured institution (FDIC certificate #58181). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Metro City Bank's TellerScore?
73 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 City Bank ever failed?
There is no failure record for FDIC certificate #58181 in the FDIC failed bank list.
How many branches does Metro City Bank have?
27 offices as of the latest FDIC data, in 8 states.
Nearby
Highest-scoring banks and credit unions with branches near Doraville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| CIBC National Trust CompanyBank Atlanta, GA | 93 out of 100, Very strong | $412.8M | 59.6% | 0.00% | vs |
| Knox County Teachers Federal Credit UnionCredit union Knoxville, TN | 93 out of 100, Very strong | $34.4M | 15.5% | 0.01% | vs |
| Spirit of America Federal Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $53.2M | 12.9% | 0.01% | vs |
| Northside Federal Credit UnionCredit union Atlanta, GA | 88 out of 100, Very strong | $20.8M | 18.9% | 0.54% | vs |