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Metro City Bank
Doraville, GA·FDIC Cert #58181·Charter: STATE·Est. 20060404.0·HC: METROCITY BANKSHARES INC
Total Assets
$4.7B
Q4 2025
Return on Assets
1.80%
-0.07%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
40.46%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.80%-0.07
ROE
15.59%-0.07
Efficiency
40.46%+2.35
Equity/Assets
0.00%+0.00
NPL Ratio
0.65%+0.24
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
109.88%-6.73
Charge-offs
0.01%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.7 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.9 | 1.8 |
| ROE | 15.2 | 16.1 | 16.3 | 16.1 | 15.5 | 15.6 | 15.7 | 15.6 |
| Efficiency | 37.6 | 36.7 | 36.7 | 37.5 | 38.4 | 37.8 | 38.1 | 40.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.5 | 0.6 | 0.5 | 0.5 | 0.4 | 0.6 |
| Charge-offs | -0.0 | -0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 111.6 | 110.6 | 111.8 | 113.8 | 113.9 | 114.2 | 116.6 | 109.9 |
Balance Sheet
Total Assets$4.7B
Total Deposits$3.7B
Total Loans$4.0B
Total Equity$489.4M
Profitability
ROA1.80%
ROE15.59%
Efficiency Ratio40.46%
Net Income$68.9M
Risk & Asset Quality
NPL Ratio0.65%
Charge-off Rate0.01%
Loan/Deposit109.88%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans