Metro City Bank Mortgage Rates, Fees & Info

Doraville, GA

LEI: 254900TM81D0YC1B9584

Tax ID: 76-0819027

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Mortgage Data

Bank Data

Review & Overview

Metro City Bank is a smaller bank specializing in Home Purchase loans. Metro City Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Atlanta, Philadelphia, Washington, and Dallas among others. We have data for 70 markets. (Some data included below & more in-depth data is available with an active subscription.)

Metro City Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Metro City Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 8.65% 4/18/24
30 Year Conventional Refi 8.57% 4/18/24
30 Year Cash-out Refi 8.19% 4/18/24
15 Year Conventional Purchase 7.34% 4/18/24
15 Year Conventional Refi 7.29% 4/18/24
15 Year Cash-out Refi 7.29% 4/18/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Metro City Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Metro City Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,145

Origination Dollar Volume (All Markets)

$607,895,000

Employee count

191

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1,017 $416,765,000 $409,798 $10,382 5.55%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 664 $110,770,000 $166,822 $4,273 5.42%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 102 $14,070,000 $137,941 $5,001 5.53%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 28 $8,270,000 $295,357 $6,089 5.50%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 41 $7,925,000 $193,293 $5,626 5.45%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 30 $6,380,000 $212,667 $5,207 5.45%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 16 $3,590,000 $224,375 $5,985 5.45%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 17 $3,035,000 $178,529 $5,363 5.48%
GAINESVILLE, GA (FHA|USDA|VA) 15 $2,925,000 $195,000 $4,415 5.44%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 17 $2,465,000 $145,000 $6,601 5.57%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 12 $2,290,000 $190,833 $6,439 5.53%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 13 $2,085,000 $160,385 $6,637 5.57%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 11 $1,785,000 $162,273 $4,745 5.43%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 7 $1,535,000 $219,286 $6,854 5.57%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 11 $1,445,000 $131,364 $3,491 5.44%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $1,320,000 $330,000 $6,867 5.63%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $1,285,000 $183,571 $5,022 5.48%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $1,095,000 $156,429 $5,111 5.50%
JACKSONVILLE, FL (FHA|USDA|VA) 9 $1,055,000 $117,222 $3,760 5.42%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 5 $955,000 $191,000 $6,414 5.58%
Jefferson, GA (FHA|USDA|VA) 6 $910,000 $151,667 $4,161 5.44%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $900,000 $225,000 $4,868 5.41%
Outside of Metro Areas 6 $810,000 $135,000 $6,529 5.50%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $780,000 $195,000 $5,377 5.44%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 5 $745,000 $149,000 $3,846 5.38%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $710,000 $177,500 $5,979 5.53%
ROCHESTER, NY (FHA|USDA|VA) 5 $635,000 $127,000 $5,267 5.53%
ROME, GA (FHA|USDA|VA) 3 $605,000 $201,667 $4,878 5.42%
LANCASTER, PA (FHA|USDA|VA) 2 $550,000 $275,000 $7,169 5.50%
RICHMOND, VA (FHA|USDA|VA) 3 $505,000 $168,333 $4,489 5.50%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $505,000 $168,333 $5,333 5.50%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $480,000 $240,000 $8,736 5.56%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $480,000 $240,000 $5,445 5.44%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $465,000 $155,000 $5,750 5.58%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $455,000 $151,667 $4,123 5.38%
SAVANNAH, GA (FHA|USDA|VA) 3 $455,000 $151,667 $4,289 5.42%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $425,000 $425,000 $9,274 5.63%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 4 $420,000 $105,000 $3,428 5.41%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $410,000 $102,500 $3,580 5.38%
LaGrange, GA-AL (FHA|USDA|VA) 2 $390,000 $195,000 $4,434 5.38%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $385,000 $128,333 $3,863 5.42%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $315,000 $315,000 $6,406 5.50%
SYRACUSE, NY (FHA|USDA|VA) 2 $300,000 $150,000 $5,670 5.56%
MONTGOMERY, AL (FHA|USDA|VA) 4 $300,000 $75,000 $2,950 5.44%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $280,000 $140,000 $3,734 5.44%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.75%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $240,000 $120,000 $4,297 5.38%
KINGSTON, NY (FHA|USDA|VA) 2 $240,000 $120,000 $5,910 5.50%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $210,000 $105,000 $4,798 5.50%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $195,000 $195,000 $5,375 5.50%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $180,000 $90,000 $4,425 5.50%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $165,000 $165,000 $4,636 5.38%
Batavia, NY (FHA|USDA|VA) 1 $165,000 $165,000 $5,759 5.50%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.50%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $160,000 $80,000 $2,764 5.38%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $155,000 $155,000 $4,795 5.38%
SAN ANGELO, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,539 5.50%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $145,000 $145,000 $5,236 5.50%
Cortland, NY (FHA|USDA|VA) 1 $135,000 $135,000 $6,420 5.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $135,000 $135,000 $4,504 5.38%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $135,000 $135,000 $5,386 5.50%
MOBILE, AL (FHA|USDA|VA) 1 $115,000 $115,000 $3,377 5.38%
BINGHAMTON, NY (FHA|USDA|VA) 2 $110,000 $55,000 $4,848 5.50%
Calhoun, GA (FHA|USDA|VA) 1 $105,000 $105,000 $3,742 5.50%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $105,000 $105,000 $4,038 5.50%
GADSDEN, AL (FHA|USDA|VA) 1 $95,000 $95,000 $3,107 5.38%
Vidalia, GA (FHA|USDA|VA) 1 $85,000 $85,000 $3,191 5.38%
DALTON, GA (FHA|USDA|VA) 1 $85,000 $85,000 $3,136 5.50%
Bainbridge, GA (FHA|USDA|VA) 1 $85,000 $85,000 $3,475 5.38%
Milledgeville, GA (FHA|USDA|VA) 1 $25,000 $25,000 $2,269 5.38%
Metro City Bank's top markets include New York, Atlanta, Philadelphia, Washington, and Dallas among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,144 $607,690,000 $283,438 $7,459 5.49%
    HELOC 1 $205,000 $205,000 n/a 7.25%

    For 2018, Metro City Bank's most frequently originated type of loan was Conventional, with 2,144 originations. Their 2nd most popular type was HELOC, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,773 $490,085,000 $276,416 $7,415 5.49%
    Other 198 $53,570,000 $270,556 $6,975 5.50%
    Cash Out Refi 141 $56,215,000 $398,688 $8,829 5.50%
    Refi 25 $6,265,000 $250,600 $6,459 5.71%
    Home Improvement 8 $1,760,000 $220,000 $0 5.52%

    For 2018, Metro City Bank's most frequently cited loan purpose was Home Purchase, with 1,773 originations. The 2nd most popular reason was Other, with 198 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,141 $606,965,000 $283,496 $7,459 5.49%
    Other 2 $480,000 $240,000 $0 6.50%
    10 Year 1 $255,000 $255,000 $0 6.75%
    15 Year 1 $195,000 $195,000 $0 6.75%

    For 2018, Metro City Bank's most frequently cited loan duration was 30 Year, with 2,141 originations. The 2nd most popular length was Other, with 2 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 574 $98,390,000 $171,411
    $5k+ 451 $260,395,000 $577,373
    $1k-2k 375 $39,495,000 $105,320
    $3k-4k 340 $86,240,000 $253,647
    $4k-5k 297 $102,735,000 $345,909
    $<1k 9 $335,000 $37,222

    Metro City Bank's average total fees were $7,459, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 574 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 2,142 $607,240,000 $283,492
    6-7% 2 $450,000 $225,000
    7-8% 1 $205,000 $205,000

    During 2018, Metro City Bank's average interest rate for loans was 5.49%, while their most frequently originated rate bucket for loans was 5-6%, with 2,142 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 789 $225,005,000 $285,177 $7,878 5.52%
    $100k-200k 741 $108,515,000 $146,444 $4,645 5.46%
    $400k-600k 304 $143,290,000 $471,349 $11,126 5.54%
    $100,000 or less 164 $12,930,000 $78,841 $3,310 5.42%
    $600k-1MM 126 $91,680,000 $727,619 $14,593 5.54%
    $1MM+ 21 $26,475,000 $1,260,714 $21,466 5.58%

    2018 saw Metro City Bank place emphasis on $200k-400k loans with 789 originations, totaling $225,005,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 510 $167,540,000 $328,510 $8,516 5.52%
    $50k-75k 446 $74,230,000 $166,435 $5,080 5.46%
    $75k-100k 446 $110,510,000 $247,780 $7,090 5.50%
    $150k-250k 289 $130,895,000 $452,924 $10,386 5.53%
    $50k or less 244 $30,430,000 $124,713 $3,925 5.44%
    $250k+ 139 $79,445,000 $571,547 $11,930 5.53%

    Metro City Bank lent most frequently to those with incomes in the $100k-150k range, with 510 originations. The second most popular income band? $50k-75k, with 446 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 358 $87,180,000 $243,520 $6,746 5.50%
    20-30% 293 $61,175,000 $208,788 $5,977 5.49%
    42% 125 $41,875,000 $335,000 $8,344 5.50%
    41% 123 $39,175,000 $318,496 $7,974 5.50%
    44% 118 $40,820,000 $345,932 $8,435 5.50%
    43% 117 $36,835,000 $314,829 $8,272 5.48%
    45% 107 $38,355,000 $358,458 $8,745 5.51%
    40% 105 $32,735,000 $311,762 $7,792 5.50%
    39% 104 $31,570,000 $303,558 $7,801 5.50%
    36% 92 $27,030,000 $293,804 $7,226 5.49%
    <20% 91 $15,665,000 $172,143 $5,252 5.47%
    46% 90 $31,670,000 $351,889 $8,635 5.50%
    37% 83 $22,965,000 $276,687 $7,543 5.51%
    38% 81 $21,375,000 $263,889 $7,293 5.50%
    47% 67 $25,305,000 $377,687 $8,695 5.48%
    49% 57 $20,785,000 $364,649 $9,099 5.49%
    48% 48 $15,570,000 $324,375 $7,849 5.47%
    >60% 12 $1,900,000 $158,333 $0 5.47%
    50-60% 2 $810,000 $405,000 $7,387 5.50%

    Metro City Bank lent most frequently to those with DTI ratios of 30-36%, with 358 originations. The next most common DTI ratio? 20-30%, with 293 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 1,936 $540,520,000 $279,194 $7,370 5.49%
    White 159 $54,225,000 $341,038 $8,560 5.52%
    Not applicable 20 $5,090,000 $254,500 $0 5.69%
    Black 11 $3,585,000 $325,909 $7,902 5.49%
    Not provided 9 $2,125,000 $236,111 $7,193 5.50%
    Chinese 4 $1,230,000 $307,500 $7,061 5.47%
    Native Hawaiian or Islander 3 $645,000 $215,000 $7,819 5.58%
    Other Asian 1 $195,000 $195,000 $4,422 5.50%
    American Indian 1 $165,000 $165,000 $6,606 5.50%
    Korean 1 $115,000 $115,000 $0 5.38%

    Approval Rates

    Total approvals of all applications
    97.81%

    Metro City Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    91.52%

    Metro City Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,145 $607,895,000 $283,401

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 2,145 $607,895,000 $283,401

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 115 $29,225,000 $254,130 $7,217 5.53%
    40-60% 698 $244,610,000 $350,444 $8,883 5.51%
    60-80% 1,323 $332,495,000 $251,319 $6,763 5.49%
    Under 20% 9 $1,565,000 $173,889 $6,447 5.51%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    METRO ISLAND MORTGAGE INC. FHA mortgage Closing on a mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Metro City Bank 10820 Abbotts Bridge Road, Suite 140 Johns Creek, GA 30097 Full Service B&M $125,046
    Metro City Bank 1295 Old Peachtree Rd Nw Ste 180 Suwanee, GA 30024 Full Service B&M $72,945
    Metro City Bank 1636 Parker Avenue Fort Lee, NJ 7024 Full Service B&M $59,236
    Metro City Bank 1805 Gateway Drive Opelika, AL 36801 Full Service B&M $53,681
    Metro City Bank 212-45 Northern Boulevard Bayside, NY 11361 Full Service B&M $64,738
    Metro City Bank 2615 W. Pioneer Parkway Suite #101 Grand Prairie, TX 75051 Full Service Retail $19,311
    Metro City Bank 2779 Bell Road Montgomery, AL 36117 Full Service B&M $31,259
    Metro City Bank 2790 Lawrenceville-Suwanee Road, Suite 105 Suwanee, GA 30024 Full Service B&M $87,069
    Metro City Bank 3280 Holcomb Bridge Rd Norcross, GA 30092 Full Service B&M $22,237
    Metro City Bank 3725 Old Norcross Road Duluth, GA 30096 Full Service B&M $114,722
    Metro City Bank 4273 Roswell Road Marietta, GA 30062 Full Service B&M $16,794
    Metro City Bank 5114 Buford Hwy Doraville, GA 30340 Full Service B&M $378,107
    Metro City Bank 5385 Jimmy Carter Blvd, Ste 100 Norcross, GA 30093 Full Service B&M $63,524
    Metro City Bank 5900 Centreville Crest Lane, Suite B Centreville, VA 20121 Full Service Retail $40,409
    Metro City Bank 7023 Little River Turnpike Annandale, VA 22003 Full Service B&M $1,281
    Metro City Bank 9788 Walnut Street Dallas, TX 75243 Full Service B&M $24,395

    For 2018, Metro City Bank had 16 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $72,880
    Net interest income $58,181
    Total noninterest income $37,462
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $991
    Trading account gains and fees $0
    Additional Noninterest Income $36,471
    Pre-tax net operating income $56,073
    Securities gains (or losses, -) $0
    Income before extraordinary items $41,377
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $41,377
    Minority interest net income $0
    Net income $41,377
    Sale, conversion, retirement of capital stock, net $1,484
    Net operating income $41,377

    Metro City Bank's gross interest income from loans was $72,880,000.
    Metro City Bank's net interest income from loans was $58,181,000.
    Metro City Bank's fee based income from loans was $991,000.
    Metro City Bank's net income from loans was $41,377,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $14,699
    Provision for credit losses $1,237
    Total noninterest expense $38,333
    Salaries and employee benefits $23,568
    Premises and equipment expense $4,085
    Additional noninterest expense $10,680
    Applicable income taxes $14,696
    Net charge-offs $1,518
    Cash dividends $9,291

    Metro City Bank's interest expense for loans was $14,699,000.
    Metro City Bank's payroll and benefits expense were $23,568,000.
    Metro City Bank's property, plant and equipment expenses $4,085,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 2.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,256,303
    Deposits held in domestic offices $1,256,303
    Deposits by Individuals, partnerships, and corporations $1,180,171
    Deposits by U.S. Government $15,240
    Deposits by States and political subdivisions in the U.S. $2,407
    Deposits by Commercial banks and other depository institutions in U.S. $58,485
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $343,880
    Demand deposits $309,028
    Nontransaction accounts $912,423
    Money market deposit accounts (MMDAs) $62,358
    Other savings deposits (excluding MMDAs) $24,051
    Total time deposits $826,014
    Total time and savings deposits $947,275
    Noninterest-bearing deposits $309,028
    Interest-bearing deposits $947,275
    Retail deposits $990,568
    IRAs and Keogh plan accounts $7,765
    Brokered deposits $53,477
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,435,822
    Cash & Balances due from depository institutions $130,263
    Interest-bearing balances $105,445
    Total securities $18,888
    Federal funds sold & reverse repurchase $23,164
    Net loans and leases $1,198,288
    Loan and leases loss allowance $6,644
    Trading account assets $0
    Bank premises and fixed assets $14,391
    Other real estate owned $0
    Goodwill and other intangibles $23,439
    All other assets $27,389

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,435,822
    Total Liabilities $1,270,726
    Total deposits $1,256,303
    Interest-bearing deposits $947,275
    Deposits held in domestic offices $1,256,303
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $4,257
    Subordinated debt $0
    All other liabilities $10,166

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,198,288
    Loan and leases loss allowance $6,644
    Total loans and leases (domestic) $1,204,932
    All real estate loans $1,170,966
    Real estate loans in domestic offices $1,170,966
    Construction and development loans $42,718
    Residential 1-4 family construction $16
    Other construction, all land development and other land $42,702
    Loans secured by nonfarm nonresidential properties $390,964
    Nonfarm nonresidential secured by owner-occupied properties $316,093
    Commercial real estate & other non-farm, non-residential $74,871
    Multifamily residential real estate $0
    1-4 family residential loans $727,272
    Farmland loans $10,012
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $33,100
    To non-U.S. addressees $0
    Loans to individuals $2,878
    Credit card loans $0
    Related Plans $210
    Consumer Auto Loans $2,668
    Other loans to individuals $0
    All other loans & leases $127
    Loans to foreign governments and official institutions $0
    Other loans $127
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,298
    Non 1-4 family restructured loans & leases $3,298
    Total loans and leases (foreign) $0

    Metro City Bank had $1,198,288,000 of loans outstanding in 2018. $1,170,966,000 of loans were in real estate loans. $42,718,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $727,272,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $2,668,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 277 $78,193 $282,285
    Nonfarm, nonresidential loans - <$100k 13 $316 $24,308
    Nonfarm, nonresidential loans - $100-250k 61 $5,775 $94,672
    Nonfarm, nonresidential loans - $250k-1MM 203 $72,102 $355,182
    Commercial & Industrial, US addressed loans - <$1MM 222 $33,100 $149,099
    Commercial & Industrial, US addressed loans - <$100k 52 $560 $10,769
    Commercial & Industrial, US addressed loans - $100-250k 92 $2,543 $27,641
    Commercial & Industrial, US addressed loans - $250k-1MM 78 $29,997 $384,577
    Farmland loans - <$1MM 19 $7,365 $387,632
    Farmland loans - $250k-1MM 19 $7,365 $387,632