Metro City Bank
Doraville, Georgia, Dekalb County
$4.5B in total assets, the 318th largest of 4,309 US banks and 3rd of 125 headquartered in Georgia.
- FDIC certificate
- 58181
- Established
- 2006
- Owned by
- Metrocity Bankshares Inc
- Primary regulator
- FDIC
- Website
- www.metrocitybank.bank
At a glance
Compared with 11 banks headquartered in Georgia with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.5B | 91% | $2.2B | |
| Loans | $4.0B | 91% | $1.4B | |
| Deposits | $3.5B | 91% | $1.9B | |
| Return on assets | 1.90% | 64% | 1.44% | |
| Net interest margin | 4.08% | 36% | 4.21% | |
| Efficiency ratio | 40.3% | 18% | 63.9% | |
| Equity to assets | 11.53% | 73% | 10.39% | |
| Loans to deposits | 112% | 98% | 83% |
Growth
Total assets grew 12.1% a year over the last 5 years and 18.9% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2025 | First IC Bank Doraville, GA | $1.2B |
| Mar 2012 | Global Commerce Bank Doraville, GA | $144M |
Where they operate
27 branches in 17 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Dekalb County, GA | $1.4B | 8.8% | 5 of 24 |
| Gwinnett County, GA | $1.1B | 4.3% | 6 of 39 |
| Fulton County, GA | $202M | 0.1% | 27 of 46 |
| Lee County, AL | $116M | 2.6% | 11 of 21 |
| Fairfax County, VA | $102M | 0.1% | 30 of 38 |
| Forsyth County, GA | $95M | 1.3% | 14 of 19 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 18 branches since 2016 (9 to 27, +200.0%). 12 opened, 6 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2016 | Opened Bayside and Fort Lee | 2 | 0 | +2 | 11 |
| 2017 | Opened 3 in 2 states | 3 | 0 | +3 | 14 |
| 2018 | Opened 3 in 3 states | 3 | 0 | +3 | 17 |
| 2019 | Opened Flushing and Tampa | 2 | 0 | +2 | 19 |
| 2023 | Opened Lagrange | 1 | 0 | +1 | 20 |
| 2025 | Acquired First IC BankOpened Buena Park | 7 | 0 | +7 | 27 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 60% | 31% | |
| Commercial real estate | 36% | 34% | |
| Business (C&I) | 2% | 8% | |
| Construction and land | 2% | 12% | |
| Multifamily | 1% | 3% | |
| Farmland | 0% | 4% | |
| Consumer | 0% | 3% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 39% | 55% | |
| Time deposits | 38% | 22% | |
| Noninterest-bearing | 23% | 23% |
Brokered deposits are 19.1% of deposits (peers 2.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.39% | 0.51% |
| Net charge-offs, annualized | 0.01% | 0.04% |
| Reserves to loans | 0.65% | 1.28% |
| Leverage ratio | 11.08% | 10.75% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Georgia
Largest competitors in Dekalb County, GA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/metro-city