Metropolitan Capital Bank & Trust no longer operates under this certificate. It failed on January 30, 2026. See the failure record.
Headquartered in Chicago, Illinois, Metropolitan Capital Bank & Trust is a state-chartered bank with $235.5M in total assets and $202.1M in deposits as of Q4 2025. Its charter dates back to 2005.
Based on its Q4 2025 filing, Metropolitan Capital Bank & Trust scores 15/100, which we describe as low. That is higher than only 0% of 2,715 banks with $100 million – $1 billion. Among 335 banks headquartered in Illinois, it ranks 335th. Its strongest component is funding & liquidity (87/100; 65% loans-to-deposits, 22% uninsured), and its lowest is problem-loan coverage (0/100; 152.5%).
TellerScore · Q4 2025
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.
7 quarters
Health trend
From Q4 2024 to Q4 2025, the score rose 3 points (12 → 15), mostly because the funding & liquidity component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 34 |
| Q3 2024 | 31 |
| Q4 2024 | 12 |
| Q1 2025 | 13 |
| Q2 2025 | 12 |
| Q3 2025 | 13 |
| Q4 2025 | 15 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.38% |
| Q3 2024 | 9.94% |
| Q4 2024 | 4.60% |
| Q1 2025 | 4.64% |
| Q2 2025 | 4.56% |
| Q3 2025 | 4.43% |
| Q4 2025 | 1.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 10.36% |
| Q3 2024 | 10.04% |
| Q4 2024 | 9.49% |
| Q1 2025 | 8.76% |
| Q2 2025 | 10.45% |
| Q3 2025 | 3.08% |
| Q4 2025 | 2.82% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.13% |
| Q4 2024 | -4.91% |
| Q1 2025 | -0.97% |
| Q2 2025 | -1.11% |
| Q3 2025 | -5.68% |
| Q4 2025 | -6.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q4 2025 | 15 | $235.5M | 1.83% | 2.82% | -6.92% | 65.0% |
| Q3 2025 | 13 | $261.2M | 4.43% | 3.08% | -5.68% | 67.0% |
| Q2 2025 | 12 | $246.5M | 4.56% | 10.45% | -1.11% | 75.1% |
| Q1 2025 | 13 | $258.9M | 4.64% | 8.76% | -0.97% | 66.9% |
| Q4 2024 | 12 | $247.1M | 4.60% | 9.49% | -4.91% | 78.3% |
| Q3 2024 | 31 | $258.8M | 9.94% | 10.04% | 0.13% | 81.5% |
| Q2 2024 | 34 | $255.9M | 10.38% | 10.36% | 0.31% | 81.9% |
2,715 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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Anna-Jonesboro National BankBank Anna, IL | 62 out of 100, Moderate | $235.5M | 14.2% | 3.32% | vs |
| Bank of FarmingtonBank Farmington, IL | 56 out of 100, Moderate | $234.8M | 10.6% | 1.19% | vs |
| Crossroads BankBank Effingham, IL | 91 out of 100, Very strong | $237.2M | 15.6% | 0.00% | vs |
| Warren-Boynton State BankBank New Berlin, IL | 77 out of 100, Strong | $231.0M | 11.7% | 0.25% | vs |
| First Federal Savings and Loan Association of Central Illinois, S.B.Bank Shelbyville, IL | 71 out of 100, Strong | $225.1M | 10.9% | 0.59% | vs |
| West Central BankBank Ashland, IL | 51 out of 100, Below average | $246.5M | 10.9% | 2.48% | vs |
Deposit insurance
Is my money safe at Metropolitan Capital Bank & Trust?
Metropolitan Capital Bank & Trust is no longer an active bank in FDIC records (since 2026).
An estimated 22.3% of deposits ($45.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 1.83%, below the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 4.32% (benchmark: 10%).
Identity & history
Profile
- Legal name
- Metropolitan Capital Bank & Trust
- Former names
- Metropolitan Capital Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57488
- RSSD ID
- 3153233
- Primary regulator
- FDIC
- Holding company
- Metropolitan Capital Bcorp Inc
- Established
- January 25, 2005
- Headquarters
- 9 E Ontario St, Chicago, IL 60611
- Employees
- 43
Quick answers
Metropolitan Capital Bank & Trust: common questions
Is Metropolitan Capital Bank & Trust FDIC insured?
Metropolitan Capital Bank & Trust is no longer an active bank in FDIC records (since 2026).
What is Metropolitan Capital Bank & Trust's TellerScore?
15 out of 100 (Low), based on its Q4 2025 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Metropolitan Capital Bank & Trust ever failed?
FDIC records show Metropolitan Capital B&t failed on January 30, 2026.