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 First Metro Bank
First Metro Bank
| RSSD ID 1222519 | CERTIFICATE 27381 | ABA NUMBER 62203955 |
| 406 Avalon Ave |
Quarter Ended : |
2025-12-31 |
| Muscle Shoals, Alabama, 35661 |
Updated : |
2026-01-30 |
| 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 | 1,007,482 |
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Total Interest Income | 50,437 |
| Total Liabilities | 898,827 |
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Total NonInterest Income | 4,263 |
| Total Bank Equity Capital | 108,655 |
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Total Interest Expense | 13,808 |
| Total Deposits | 893,388 |
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Total NonInterest Expense | 17,905 |
| Net Loans & Leases | 580,643 |
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Net Income | 17,050 |
| Loan Loss Allowance | 6,480 |
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Net Charge Offs | 359 |
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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 | 582,621 |
| Total assets for the leverage ratio | 1,023,302 |
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Loans secured by real estate: | 486,875 |
| Tier 1 Leverage Ratio | 12.45 |
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Commercial and industrial loans | 79,826 |
| Off Balance Sheet Exposures (%) | 0.18 |
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Loans to individuals - Credit Cards | 1,893 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 14,027 |
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:· First Metro Bank
