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Us Metro Bank
Garden Grove, CA · FDIC Certificate #58310 · Chartered 09/1
Total assets
$1.64B
Total deposits
$1.44B
Total equity
$161.55M
Net loans
$1.35B
Branches (offices)
9
Net income (YTD)
$8.01M
Rank: #686 of 4,213 U.S. banks by assets · #47 of 115 in California. Assets changed 13.0% and deposits 12.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 10.08% |
| Net interest margin (YTD) | 3.42% |
| Equity to assets | 9.85% |
| Tier 1 leverage ratio | 10.42% |
| Uninsured deposits (share of deposits) | 47.7% |
| Noncurrent loans (share of loans) | 1.54% |
| Net charge-offs (share of loans) | 0.38% |
| Loans to deposits | 94.2% |
| Real estate loans (share of loans) | 89.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.22B | 89.8% | |
| Commercial & industrial | $95.94M | 7.1% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $31.01M | 2.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.08B | $971.52M | $8.83M | $103.33M |
| Jun 2023 | $1.16B | $999.37M | $6.39M | $114.64M |
| Jun 2024 | $1.35B | $1.18B | $4.29M | $121.95M |
| Jun 2025 | $1.45B | $1.28B | $5.85M | $135.56M |
| Jun 2026 | $1.64B | $1.44B | $8.01M | $161.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $1.26B | 7 |
| Washington | $181.16M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.44B.
Similar-sized banks
Meredith Village Savings Bank ($1.64B) · Citizens Tri-County Bank ($1.64B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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