TellerScore

Headquartered in New York, New York, Metropolitan Commercial Bank is a state-chartered bank (fed member) with $8.9B in total assets and $7.8B in deposits as of Q2 2026. It operates 11 offices across 3 states. Its charter dates back to 1999.

Metropolitan Commercial Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 51st. Problem-loan coverage contributes the most (87/100, 6.5%); funding & liquidity contributes the least (53/100, 93% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.07%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.91%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 93.5% · 27.2% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.51%

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 3 points (63 → 66), mostly because the capital cushion component improved by 13 points.

TellerScore
556269Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202465
Q4 202465
Q1 202564
Q2 202563
Q3 202555
Q4 202555
Q1 202669
Q2 202666
Tier 1 leverage ratio
5.00%8.18%11.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.02%
Q3 202410.21%
Q4 202410.49%
Q1 202510.00%
Q2 20259.78%
Q3 20259.39%
Q4 20259.06%
Q1 202611.36%
Q2 202611.07%
Noncurrent loans
0.53%0.90%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.53%
Q3 20240.53%
Q4 20240.54%
Q1 20250.54%
Q2 20250.60%
Q3 20251.20%
Q4 20251.28%
Q1 20261.01%
Q2 20260.91%
Return on assets
0.80%1.16%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.97%
Q3 20240.89%
Q4 20240.98%
Q1 20250.97%
Q2 20251.00%
Q3 20250.80%
Q4 20250.97%
Q1 20261.53%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$8.9B11.07%0.91%1.23%93.5%
Q1 202669$8.8B11.36%1.01%1.53%89.4%
Q4 202555$8.3B9.06%1.28%0.97%90.3%
Q3 202555$8.2B9.39%1.20%0.80%93.7%
Q2 202563$7.9B9.78%0.60%1.00%95.8%
Q1 202564$7.6B10.00%0.54%0.97%96.1%
Q4 202465$7.3B10.49%0.54%0.98%99.3%
Q3 202465$7.4B10.21%0.53%0.89%92.4%
Q2 202465$7.3B10.02%0.53%0.97%93.1%

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).

Capital ratio11.07%
62nd
Total risk-based capital13.73%
51st
Problem loans0.91%
29th
Net charge-offs1.32%
3rd
Return on assets1.23%
48th
Net interest margin4.20%
77th
Efficiency ratio52.2%
71st
Loans to deposits93.5%
31st
Uninsured deposits27.2%
62nd
Loan-loss reserves0.85%
17th
Texas ratio6.5%
29th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Tompkins Bank & TrustBank Ithaca, NY60 out of 100, Moderate$8.8B9.1%0.80%vs
Amalgamated BankBank New York, NY53 out of 100, Below average$9.4B9.6%1.99%vs
Ridgewood Savings BankBank Ridgewood, NY64 out of 100, Moderate$7.5B13.3%1.85%vs
Bank of IndiaBank New York, NY48 out of 100, Below average$7.4B0.0%0.00%vs
TrustCo BankBank Glenville, NY62 out of 100, Moderate$6.5B8.4%0.40%vs
Five Star BankBank Rochester, NY66 out of 100, Moderate$6.3B10.9%0.82%vs

Deposit insurance

Is my money safe at Metropolitan Commercial Bank?

Yes. Metropolitan Commercial Bank is an FDIC-insured institution (FDIC certificate #34699). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.2% of deposits ($2.1B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.73% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Metropolitan Commercial Bank lists 10 offices in 6 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Metropolitan Commercial Bank
Former names
Metropolitan National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
34699
RSSD ID
2705895
Primary regulator
FED
Holding company
Metropolitan Bank Holding Corp
Established
June 21, 1999
Headquarters
99 Park Ave, New York, NY 10016
Employees
348

Quick answers

Metropolitan Commercial Bank: common questions

Is Metropolitan Commercial Bank FDIC insured?

Yes. Metropolitan Commercial Bank is an FDIC-insured institution (FDIC certificate #34699). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Metropolitan Commercial Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Metropolitan Commercial Bank ever failed?

There is no failure record for FDIC certificate #34699 in the FDIC failed bank list.

How many branches does Metropolitan Commercial Bank have?

11 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near New York

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs