Call reports 2025
METRO CITY BANK — 2025
What METRO CITY 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 | 3,644,728,000 | 3,609,416,000 | 3,626,177,000 | 4,713,603,000 |
| Total loans | 3,169,741,000 | 3,129,195,000 | 3,200,624,000 | 4,063,490,000 |
| Allowance for loan losses | 18,591,000 | 18,748,000 | 17,940,000 | 27,845,000 |
| Securities available for sale | 15,426,000 | 15,030,000 | 15,365,000 | 47,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,766,958,000 | 2,724,147,000 | 2,729,408,000 | 3,672,862,000 |
| Interest-bearing deposits | 2,198,854,000 | 2,142,403,000 | 2,150,479,000 | 2,865,200,000 |
| Noninterest-bearing deposits | 568,104,000 | 581,744,000 | 578,929,000 | 807,662,000 |
| Equity capital | 425,319,000 | 433,528,000 | 443,365,000 | 489,243,000 |
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 | 52,519,000 | 106,568,000 | 160,570,000 | 220,827,000 |
| Interest expense | 21,982,000 | 43,870,000 | 66,098,000 | 90,438,000 |
| Net interest income | 30,537,000 | 62,698,000 | 94,472,000 | 130,389,000 |
| Noninterest income | 5,382,000 | 11,140,000 | 17,259,000 | 25,102,000 |
| Noninterest expense | 13,799,000 | 27,912,000 | 42,586,000 | 63,258,000 |
| Provision for loan losses | 17,000 | 234,000 | -348,000 | -335,000 |
| Pretax income | 22,125,000 | 45,842,000 | 69,729,000 | 92,897,000 |
| Income tax | 5,779,000 | 12,622,000 | 19,191,000 | 24,162,000 |
| Net income | 16,346,000 | 33,220,000 | 50,538,000 | 68,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 416,358,000 | 427,942,000 | 439,853,000 | 471,450,000 |
| Total capital | 435,231,000 | 446,885,000 | 458,026,000 | 499,582,000 |
| Risk-weighted assets | 2,179,285,000 | 2,162,377,000 | 2,220,052,000 | 2,978,404,000 |