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 First Metro Bank
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First Metro Bank
| RSSD ID 1222519 | CERTIFICATE 27381 | ABA NUMBER 62203955 |
| 406 Avalon Ave |
Quarter Ended : |
2026-03-31 |
| Muscle Shoals, Alabama, 35661 |
Updated : |
2026-04-30 |
| www.firstmetro.com |
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| Institution Profile |
| Year Opened : |
1988 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
11 |
Number of Employees : |
133 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,009,751 |
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Total Interest Income | 12,493 |
| Total Liabilities | 899,913 |
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Total NonInterest Income | 1,158 |
| Total Bank Equity Capital | 109,838 |
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Total Interest Expense | 3,790 |
| Total Deposits | 895,001 |
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Total NonInterest Expense | 4,490 |
| Net Loans & Leases | 585,234 |
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Net Income | 3,961 |
| Loan Loss Allowance | 5,921 |
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Net Charge Offs | 593 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 589,424 |
| Total assets for the leverage ratio | 1,023,942 |
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Loans secured by real estate: | 494,981 |
| Tier 1 Leverage Ratio | 12.7 |
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Commercial and industrial loans | 78,975 |
| Off Balance Sheet Exposures (%) | 0.26 |
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Loans to individuals - Credit Cards | 1,851 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 13,617 |
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:· First Metro Bank
