Total Assets
$1.0B
Total balance-sheet footings
FDIC Cert #27381 · Muscle Shoals, Alabama · Est. 1988
First Metro Bank - FDIC Bank Health Profile
A community-scale look at First Metro Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.0B
- Total assets
- A
- Health grade · Excellent
- 1.71%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
First Metro Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 12.45% Tier 1, profitable at 1.71% ROA, efficient (44% cost ratio).
- #1,037
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 12.45%
- Tier 1 ratio - above the 10% well-capitalized line
- 83rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Metro Bank's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Metro Bank's composite health score
Tier 1 Capital Ratio (12.45%) 35/40
Return on Assets (ROA) (1.71%) 25/25
Texas Ratio (0.49%) 20/20
Efficiency Ratio (43.79%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$893M
Customer-funded liabilities
Net Loans
$581M
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Metro Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Metro Bank's score of 95/100 falls in the highlighted band.
First Metro Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Metro Bank's $1.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.45%
Texas Ratio
0.49%
Equity Capital
$109M
Profitability metrics
Return on Assets (ROA)
83rd percentile nationally
1.71%
Return on Equity (ROE)
17.12%
Efficiency Ratio
43.79%
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. It holds $1.0B in total assets - 1,037th of 4,313 FDIC-insured banks, $893M in customer deposits, and $581M in net loans. On safety, its Tier 1 capital ratio of 12.45% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.49% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (95/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Alabama, First Metro Bank ranks 17th of 94 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$50M
Interest Income
$4M
Non-Interest Income
$18M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Metro Bank reports a Texas Ratio of 0.49% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.49% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Metro Bank (FDIC Cert #27381) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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 BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is First Metro Bank's health grade?▼
First Metro Bank receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Metro Bank?▼
First Metro Bank holds $1.0B in total assets and $893M in deposits, ranking 1,037th of 4,313 FDIC-insured banks by asset size. It is headquartered in Muscle Shoals, Alabama.
Is my money safe at First Metro Bank?▼
Yes, deposits at First Metro Bank (Certificate #27381) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Metro Bank's Tier 1 Capital Ratio?▼
First Metro Bank has a Tier 1 Capital Ratio of 12.45%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Metro Bank?▼
First Metro Bank has a Texas Ratio of 0.49%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read First Metro Bank's profile as a depositor or analyst.
- First Metro Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Metro Bank against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.