Metropolitan Bank (FDIC certificate #25869) is based in Oakland, California. Its Q2 2026 call report shows $230.2M in total assets and $194.7M in deposits and 4 offices.
Based on its Q2 2026 filing, Metropolitan Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 37th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (46/100; 0.64%).
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 rose 2 points (73 → 75), mostly because the capital cushion component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 53 |
| Q4 2024 | 70 |
| Q1 2025 | 70 |
| Q2 2025 | 73 |
| Q3 2025 | 66 |
| Q4 2025 | 59 |
| Q1 2026 | 60 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.71% |
| Q3 2024 | 11.62% |
| Q4 2024 | 12.07% |
| Q1 2025 | 12.19% |
| Q2 2025 | 12.01% |
| Q3 2025 | 12.29% |
| Q4 2025 | 12.63% |
| Q1 2026 | 13.00% |
| Q2 2026 | 13.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.94% |
| Q3 2024 | 2.00% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.34% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.81% |
| Q4 2025 | 1.71% |
| Q1 2026 | 1.73% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $230.2M | 13.09% | 0.00% | 0.64% | 95.1% |
| Q1 2026 | 60 | $231.8M | 13.00% | 1.73% | 0.60% | 92.0% |
| Q4 2025 | 59 | $234.2M | 12.63% | 1.71% | 0.64% | 93.3% |
| Q3 2025 | 66 | $238.2M | 12.29% | 0.81% | 0.62% | 93.5% |
| Q2 2025 | 73 | $243.7M | 12.01% | 0.00% | 0.59% | 90.8% |
| Q1 2025 | 70 | $243.2M | 12.19% | 0.34% | 0.59% | 97.0% |
| Q4 2024 | 70 | $236.7M | 12.07% | 0.35% | 0.77% | 98.7% |
| Q3 2024 | 53 | $239.4M | 11.62% | 2.00% | 0.46% | 97.3% |
| Q2 2024 | 52 | $235.0M | 11.71% | 1.94% | 0.41% | 103.3% |
2,650 peers · $100 million – $1 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 California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Neighborhood National BankBank El Cajon, CA | 65 out of 100, Moderate | $228.0M | 11.6% | 0.68% | vs |
| First Federal Savings and Loan Association of San RafaelBank San Rafael, CA | 76 out of 100, Strong | $222.1M | 18.8% | 0.00% | vs |
| Home Bank of CaliforniaBank San Diego, CA | 84 out of 100, Strong | $255.4M | 12.3% | 0.00% | vs |
| Summit BankBank Oakland, CA | 57 out of 100, Moderate | $264.4M | 16.4% | 1.48% | vs |
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| United Pacific BankBank City Of Industry, CA | 57 out of 100, Moderate | $191.0M | 17.4% | 2.51% | vs |
Deposit insurance
Is my money safe at Metropolitan Bank?
Yes. Metropolitan Bank is an FDIC-insured institution (FDIC certificate #25869). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.3% of deposits ($20.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.09%, 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%).
4 locations
Branches
Metropolitan Bank lists 4 offices in 3 cities. Most locations:
- Oakland, CA (2)
- San Francisco, CA (1)
- San Jose, CA (1)
Identity & history
Profile
- Legal name
- Metropolitan Bank
- Former names
- Metropolitan National Bank; Metropolitan Thrift and Loan Association
- Type
- State-chartered bank
- FDIC certificate #
- 25869
- RSSD ID
- 534466
- Primary regulator
- FDIC
- Holding company
- Met Financial Corp
- Established
- September 1, 1983
- Headquarters
- 250 E 18th St, Oakland, CA 94606
- Website
- www.met.bank
- Employees
- 44
Quick answers
Metropolitan Bank: common questions
Is Metropolitan Bank FDIC insured?
Yes. Metropolitan Bank is an FDIC-insured institution (FDIC certificate #25869). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Metropolitan Bank's TellerScore?
75 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 Metropolitan Bank ever failed?
There is no failure record for FDIC certificate #25869 in the FDIC failed bank list.
How many branches does Metropolitan Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oakland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Community Federal Credit UnionCredit union San Francisco, CA | 100 out of 100, Very strong | $15.2M | 32.6% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA | 87 out of 100, Very strong | $31.8M | 18.4% | 0.00% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Lee Federal Credit UnionCredit union San Francisco, CA | 85 out of 100, Very strong | $10.7M | 53.3% | 0.00% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |