Total Assets
$443M
Total balance-sheet footings
FDIC Cert #3814 · Metropolis, Illinois · Est. 1908
The City National Bank of Metropolis - FDIC Bank Health Profile
A community-scale look at The City National Bank of Metropolis's own numbers, pulled straight from its quarterly FDIC Call Report.
- $443M
- Total assets
- B
- Health grade · Good
- 0.80%
- Return on assets
- 24.4%
- Tier 1 capital
Data updated July 2026
The verdict
The City National Bank of Metropolis earns a PlainBankData health grade of B (78/100), with well-capitalized at 24.38% Tier 1, 0.80% ROA, 65% efficiency ratio.
- #1,943
- largest of 4,313 FDIC banks by assets
- 55th
- percentile by asset size, nationally
- 24.38%
- Tier 1 ratio - above the 10% well-capitalized line
- 29th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The City National Bank of Metropolis's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The City National Bank of Metropolis's composite health score
Tier 1 Capital Ratio (24.38%) 40/40
Return on Assets (ROA) (0.80%) 14/25
Texas Ratio (7.47%) 16/20
Efficiency Ratio (65.32%) 8/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$346M
Customer-funded liabilities
Net Loans
$232M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The City National Bank of Metropolis ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The City National Bank of Metropolis's score of 78/100 falls in the highlighted band.
The City National Bank of Metropolis'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). The City National Bank of Metropolis's $443M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
24.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
24.38%
Texas Ratio
7.47%
Equity Capital
$48M
Profitability metrics
Return on Assets (ROA)
29th percentile nationally
0.80%
Return on Equity (ROE)
8.16%
Efficiency Ratio
65.32%
What the numbers say about The City National Bank of Metropolis
The City National Bank of Metropolis is an FDIC-insured institution (Certificate #3814) headquartered in Metropolis, Illinois, established in 1908. It holds $443M in total assets - 1,943rd of 4,313 FDIC-insured banks, $346M in customer deposits, and $232M in net loans. Capital-wise, the Tier 1 ratio sits at 24.38%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 7.47%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (78 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The City National Bank of Metropolis sits 114th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$21M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The City National Bank of Metropolis reports a Texas Ratio of 7.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The City National Bank of Metropolis (FDIC Cert #3814) - 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 Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is The City National Bank of Metropolis's health grade?▼
The City National Bank of Metropolis receives a health grade of B (78/100) 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 The City National Bank of Metropolis?▼
The City National Bank of Metropolis holds $443M in total assets and $346M in deposits, ranking 1,943rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Metropolis, Illinois.
Is my money safe at The City National Bank of Metropolis?▼
Yes, deposits at The City National Bank of Metropolis (Certificate #3814) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The City National Bank of Metropolis's Tier 1 Capital Ratio?▼
The City National Bank of Metropolis has a Tier 1 Capital Ratio of 24.38%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The City National Bank of Metropolis?▼
The City National Bank of Metropolis has a Texas Ratio of 7.47%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The City National Bank of Metropolis?▼
The City National Bank of Metropolis has an Efficiency Ratio of 65.32%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The City National Bank of Metropolis's profile as a depositor or analyst.
- The City National Bank of Metropolis's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The City National Bank of Metropolis against other Illinois banks before moving funds. Illinois 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.