Total Assets
$1.0B
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
First Metro Bank — FDIC Bank Health Profile
Muscle Shoals, Alabama · Est. 1988. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #27381 Atlanta Region
D
Health grade
Weak
Score: 40/100
Basel III capital ratios — First Metro Bank
Total Deposits
$893M
Customer-funded liabilities
Net Loans
$581M
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$109M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.71%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
17.12%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
43.79%
Income & Expense Breakdown
$50M
Interest Income
$4M
Non-Interest Income
$18M
Non-Interest Expense
FDIC Deposit Insurance
First Metro Bank is FDIC-insured (Certificate #27381). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About First Metro Bank
First Metro Bank is an FDIC-insured institution (Certificate #27381) headquartered in Muscle Shoals, Alabama, established in 1988. The bank currently holds $1.0B in total assets and $893M in customer deposits, with $581M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, First Metro Bank reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $109M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.71% and a Return on Equity of 17.12%, with an Efficiency Ratio of 43.79% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of D (40/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at First Metro Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Alabama by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data First Metro Bank (FDIC Cert #27381) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions Bank Birmingham | $158.2B | C | 1.43% |
| ServisFirst Bank Birmingham | $17.7B | B | 1.58% |
| River Bank & Trust Prattville | $3.8B | B | 1.18% |
| Bank Independent Sheffield | $3.0B | C | 1.01% |
| Bryant Bank Tuscaloosa | $2.9B | B | 1.69% |
| CB&S Bank, Inc. Russellville | $2.9B | F | 0.85% |
| Oakworth Capital Bank Birmingham | $2.0B | C | 1.17% |
| Troy Bank & Trust Company Troy | $1.6B | F | 1.34% |
Frequently Asked Questions
What is First Metro Bank's health grade? ▼
First Metro Bank receives a health grade of D (40/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is First Metro Bank? ▼
First Metro Bank holds $1.0B in total assets and $893M in deposits. It is headquartered in Muscle Shoals, Alabama.
Is my money safe at First Metro Bank? ▼
Yes. First Metro Bank is FDIC-insured (Certificate #27381). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is First Metro Bank's Tier 1 Capital Ratio? ▼
First Metro Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is First Metro Bank? ▼
First Metro Bank has an Efficiency Ratio of 43.79%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.