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.
FDIC Call Report plate
Cert 58310 · CA B · 73/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL
- GRADE-B B (73/100)
- MID-PACK #2729/4307
- PHOTO-FINISH Community Bank Delaw… · DE
- TIER1-WELL 12.9% Tier 1
- TEXAS-CLEAN 11.7% Texas
- ROA-PAR 0.83% ROA
- SIZE-REGIONAL $1–10B
- BOOK-FULL 9/9 fields
Nearest health peer outside California: Community Bank Delaware, DE (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around US Metro Bank
Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.
Call Report read for US Metro Bank in a high-failure state
US Metro Bank (FDIC Cert #58310) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,729 of 4,307. Tier 1 capital prints at 12.85%, clearing the 10% well-capitalized line. The Texas Ratio is 11.69%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.83%. Balance-sheet scale is $1.6B, 728th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community Bank Delaware (DE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around US Metro Bank
44 FAILURE resolutions in California since 2000, heavy vs the state corpus
US Metro Bank sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about US Metro Bank's current Call Report.
- FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
- SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
- FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
73 37th percentile higher than 37% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
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.
Capital & credit buffers at US Metro Bank
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: US Metro Bank
Return on Assets (ROA)
32nd percentile nationally
0.83%
Return on Equity (ROE)
9.01%
Efficiency Ratio
65.59%
Income & expense at US Metro Bank
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($1.6B here), outside California so the neighborhood is not state containment.
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.
US Metro Bank Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |