Total Assets
$8.3B
Total balance-sheet footings
FDIC Cert #34699 · New York, New York · Est. 1999
Metropolitan Commercial Bank - FDIC Bank Health Profile
A community-scale look at Metropolitan Commercial Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $8.3B
- Total assets
- B
- Health grade · Good
- 0.97%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
Metropolitan Commercial Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.49% Tier 1, 0.97% ROA, efficient (54% cost ratio).
- #192
- largest of 4,313 FDIC banks by assets
- 96th
- percentile by asset size, nationally
- 10.49%
- Tier 1 ratio - above the 10% well-capitalized line
- 41st
- 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 Metropolitan Commercial Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Metropolitan Commercial Bank's composite health score
Tier 1 Capital Ratio (10.49%) 28/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (10.55%) 16/20
Efficiency Ratio (53.76%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$7.4B
Customer-funded liabilities
Net Loans
$6.7B
Outstanding loan book
Net Income
$76M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Metropolitan Commercial Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Metropolitan Commercial Bank's score of 70/100 falls in the highlighted band.
Metropolitan Commercial 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). Metropolitan Commercial Bank's $8.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.49%
Texas Ratio
10.55%
Equity Capital
$727M
Profitability metrics
Return on Assets (ROA)
41st percentile nationally
0.97%
Return on Equity (ROE)
10.57%
Efficiency Ratio
53.76%
What the numbers say about Metropolitan Commercial Bank
Metropolitan Commercial Bank is an FDIC-insured institution (Certificate #34699) headquartered in New York, New York, established in 1999. It holds $8.3B in total assets - 192nd of 4,313 FDIC-insured banks, $7.4B in customer deposits, and $6.7B in net loans. Looking at capital strength, Tier 1 stands at 10.49%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 10.55%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), 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.
Metropolitan Commercial Bank's asset base places it among the largest FDIC-insured institutions in the country, 192nd of 4,313 nationally, and 21st of 120 banks headquartered in New York. Only Tompkins Community Bank ($8.7B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$515M
Interest Income
$11M
Non-Interest Income
$170M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Metropolitan Commercial Bank reports a Texas Ratio of 10.55% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.55% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Metropolitan Commercial Bank (FDIC Cert #34699) - 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 New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is Metropolitan Commercial Bank's health grade?▼
Metropolitan Commercial Bank receives a health grade of B (70/100) 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 good financial health with solid capital levels above regulatory minimums.
How large is Metropolitan Commercial Bank?▼
Metropolitan Commercial Bank holds $8.3B in total assets and $7.4B in deposits, ranking 192nd of 4,313 FDIC-insured banks by asset size. It is headquartered in New York, New York.
Is my money safe at Metropolitan Commercial Bank?▼
Yes, deposits at Metropolitan Commercial Bank (Certificate #34699) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Metropolitan Commercial Bank's Tier 1 Capital Ratio?▼
Metropolitan Commercial Bank has a Tier 1 Capital Ratio of 10.49%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Metropolitan Commercial Bank?▼
Metropolitan Commercial Bank has a Texas Ratio of 10.55%. 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 Metropolitan Commercial Bank?▼
Metropolitan Commercial Bank has an Efficiency Ratio of 53.76%. 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 Metropolitan Commercial Bank's profile as a depositor or analyst.
- Metropolitan Commercial Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Metropolitan Commercial Bank against other New York banks before moving funds. New York 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.