Headquartered in Garden Grove, California, US Metro Bank is a state-chartered bank with $1.6B in total assets and $1.4B in deposits as of Q2 2026. It operates 11 offices across 2 states. Its charter dates back to 2006.
US Metro Bank has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 105th. Problem-loan coverage contributes the most (73/100, 13.7%); funding & liquidity contributes the least (30/100, 94% loans-to-deposits, 48% 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
The score has been essentially flat from Q2 2025 to Q2 2026 (52 → 52).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 59 |
| Q4 2024 | 54 |
| Q1 2025 | 53 |
| Q2 2025 | 52 |
| Q3 2025 | 49 |
| Q4 2025 | 50 |
| Q1 2026 | 53 |
| Q2 2026 | 52 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.82% |
| Q3 2024 | 9.57% |
| Q4 2024 | 9.37% |
| Q1 2025 | 9.61% |
| Q2 2025 | 9.81% |
| Q3 2025 | 9.47% |
| Q4 2025 | 10.22% |
| Q1 2026 | 10.61% |
| Q2 2026 | 10.42% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.75% |
| Q1 2025 | 1.05% |
| Q2 2025 | 1.27% |
| Q3 2025 | 1.50% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.62% |
| Q2 2026 | 1.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.83% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $1.6B | 10.42% | 1.54% | 1.01% | 94.2% |
| Q1 2026 | 53 | $1.6B | 10.61% | 1.62% | 1.01% | 94.4% |
| Q4 2025 | 50 | $1.6B | 10.22% | 1.57% | 0.83% | 93.3% |
| Q3 2025 | 49 | $1.6B | 9.47% | 1.50% | 0.84% | 90.6% |
| Q2 2025 | 52 | $1.5B | 9.81% | 1.27% | 0.82% | 94.8% |
| Q1 2025 | 53 | $1.4B | 9.61% | 1.05% | 0.82% | 95.7% |
| Q4 2024 | 54 | $1.4B | 9.37% | 0.75% | 0.63% | 94.6% |
| Q3 2024 | 59 | $1.4B | 9.57% | 0.42% | 0.64% | 91.8% |
| Q2 2024 | 61 | $1.3B | 9.82% | 0.32% | 0.66% | 94.2% |
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 California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FFB BankBank Fresno, CA | 46 out of 100, Below average | $1.6B | 12.2% | 3.54% | vs |
| Malaga Bank F.S.B.Bank Palos Verdes Peninsula, CA | 88 out of 100, Very strong | $1.4B | 16.8% | 0.00% | vs |
| American Riviera BankBank Santa Barbara, CA | 67 out of 100, Moderate | $1.4B | 11.3% | 0.68% | vs |
| State Bank of India (California)Bank Los Angeles, CA | 69 out of 100, Moderate | $1.4B | 14.0% | 1.11% | vs |
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| First Northern Bank of DixonBank Dixon, CA | 74 out of 100, Strong | $1.9B | 12.0% | 0.41% | vs |
Deposit insurance
Is my money safe at US Metro Bank?
Yes. US Metro Bank is an FDIC-insured institution (FDIC certificate #58310). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 47.7% of deposits ($685.7M) 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 10.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.60% (benchmark: 10%).
11 locations
Branches
US Metro Bank lists 9 offices in 7 cities across 2 states. Most locations:
- Los Angeles, CA (3)
- Anaheim, CA (1)
- Buena Park, CA (1)
- Garden Grove, CA (1)
- Lakewood, WA (1)
- Lynnwood, WA (1)
- Torrance, CA (1)
Identity & history
Profile
- Legal name
- US Metro Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58310
- RSSD ID
- 3470154
- Primary regulator
- FDIC
- Holding company
- US Metro Bcorp
- Established
- September 15, 2006
- Headquarters
- 9866 Garden Grove Blvd, Garden Grove, CA 92844
- Website
- www.usmetrobank.com
- Employees
- 204
Quick answers
US Metro Bank: common questions
Is US Metro Bank FDIC insured?
Yes. US Metro Bank is an FDIC-insured institution (FDIC certificate #58310). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is US Metro Bank's TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has US Metro Bank ever failed?
There is no failure record for FDIC certificate #58310 in the FDIC failed bank list.
How many branches does US Metro Bank have?
11 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Garden Grove
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 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 |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |