First Metro Bank

BankMuscle Shoals, Alabama
http://www.firstmetro.com

Total Assets

$1.0B

Total Deposits

$893.4M

Branches

11

Established

1988

TFS Health Grade

$
C-

70.8 / 100

Average financial health

How we grade

First Metro Bank is a bank headquartered in Muscle Shoals, Alabama, established in 1988. With $1.0B in total assets and 11 branch locations, it has a TFS Financial Health Grade of C- (70.8/100).

Capital & Safety

Tier 1 Capital Ratio
12.45%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.10%

Profitability

Return on Assets (ROA)
1.71%(1%)
Return on Equity (ROE)
17.12%(10%)
Net Interest Margin
3.84%
Efficiency Ratio
43.79%(60%)

Lending & Liquidity

Total Loans
$587.5M
Loan-to-Deposit Ratio
65.03%
Net Charge-Off Ratio
0.06%

Growth

Asset Growth (YoY)
+2.61%
Deposit Growth (YoY)
+0.54%
Net Income
$17.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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