Total Assets
$1.6B
Total balance-sheet footings
FDIC Cert #58310 · Garden Grove, California · Est. 2006
US Metro Bank - FDIC Bank Health Profile
A community-scale look at US Metro Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.6B
- Total assets
- B
- Health grade · Good
- 0.83%
- Return on assets
- 12.9%
- Tier 1 capital
Data updated July 2026
The verdict
US Metro Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.85% Tier 1, 0.83% ROA, 66% efficiency ratio.
- #728
- largest of 4,313 FDIC banks by assets
- 83rd
- percentile by asset size, nationally
- 12.85%
- Tier 1 ratio - above the 10% well-capitalized line
- 32nd
- 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 US Metro Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
US Metro Bank's composite health score
Tier 1 Capital Ratio (12.85%) 35/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (11.69%) 16/20
Efficiency Ratio (65.59%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.4B
Customer-funded liabilities
Net Loans
$1.3B
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where US Metro Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. US Metro Bank's score of 73/100 falls in the highlighted band.
US 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). US Metro Bank's $1.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.85% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.85%
Texas Ratio
11.69%
Equity Capital
$156M
Profitability metrics
Return on Assets (ROA)
32nd percentile nationally
0.83%
Return on Equity (ROE)
9.01%
Efficiency Ratio
65.59%
What the numbers say about US Metro Bank
US Metro Bank is an FDIC-insured institution (Certificate #58310) headquartered in Garden Grove, California, established in 2006. It holds $1.6B in total assets - 728th of 4,313 FDIC-insured banks, $1.4B in customer deposits, and $1.3B in net loans. On safety, its Tier 1 capital ratio of 12.85% is above the 10% well-capitalized threshold, and its Texas Ratio of 11.69% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (73/100), 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 California, US Metro Bank ranks 50th of 121 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$89M
Interest Income
$16M
Non-Interest Income
$41M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. US Metro Bank reports a Texas Ratio of 11.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) US Metro Bank (FDIC Cert #58310) - 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 California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is US Metro Bank's health grade?▼
US Metro Bank receives a health grade of B (73/100) 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 US Metro Bank?▼
US Metro Bank holds $1.6B in total assets and $1.4B in deposits, ranking 728th of 4,313 FDIC-insured banks by asset size. It is headquartered in Garden Grove, California.
Is my money safe at US Metro Bank?▼
Yes, deposits at US Metro Bank (Certificate #58310) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is US Metro Bank's Tier 1 Capital Ratio?▼
US Metro Bank has a Tier 1 Capital Ratio of 12.85%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for US Metro Bank?▼
US Metro Bank has a Texas Ratio of 11.69%. 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 US Metro Bank?▼
US Metro Bank has an Efficiency Ratio of 65.59%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read US Metro Bank's profile as a depositor or analyst.
- US Metro Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare US Metro Bank against other California banks before moving funds. California 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.