Call reports 2025
US METRO BANK — 2025
What US METRO BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,417,198,000 | 1,452,378,000 | 1,566,784,000 | 1,550,823,000 |
| Total loans | 1,198,131,000 | 1,229,567,000 | 1,269,737,000 | 1,277,910,000 |
| Allowance for loan losses | 14,406,000 | 14,763,000 | 15,164,000 | 15,897,000 |
| Securities available for sale | 49,921,000 | 52,719,000 | 51,813,000 | 49,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,237,300,000 | 1,280,935,000 | 1,384,021,000 | 1,352,596,000 |
| Interest-bearing deposits | 1,001,567,000 | 1,054,335,000 | 1,141,789,000 | 1,125,577,000 |
| Noninterest-bearing deposits | 235,733,000 | 226,600,000 | 242,232,000 | 227,019,000 |
| Equity capital | 127,450,000 | 135,384,000 | 138,685,000 | 156,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 20,405,000 | 42,250,000 | 65,484,000 | 88,700,000 |
| Interest expense | 10,251,000 | 20,827,000 | 31,856,000 | 42,924,000 |
| Net interest income | 10,154,000 | 21,423,000 | 33,628,000 | 45,776,000 |
| Noninterest income | 3,050,000 | 5,764,000 | 10,284,000 | 16,083,000 |
| Noninterest expense | 8,778,000 | 18,003,000 | 28,682,000 | 40,572,000 |
| Provision for loan losses | 300,000 | 900,000 | 2,200,000 | 3,900,000 |
| Pretax income | 4,126,000 | 8,284,000 | 13,030,000 | 17,341,000 |
| Income tax | 1,244,000 | 2,475,000 | 3,879,000 | 5,099,000 |
| Net income | 2,898,000 | 5,848,000 | 9,194,000 | 12,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 132,853,000 | 140,513,000 | 143,117,000 | 160,268,000 |
| Total capital | 147,217,000 | 155,207,000 | 158,150,000 | 175,867,000 |
| Risk-weighted assets | 1,148,735,000 | 1,175,047,000 | 1,202,170,000 | 1,247,221,000 |