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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Georgia, the state note

Metro City Bank

Doraville, Georgia · $4.47B in assets · beside the 11 other the Southeast banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

112.3%
Loans / deposits
12th of 12
19.7%
CRE / loans
2nd of 12
1.97%
ROA
2nd of 12

Metro City Bank is the sixth largest of the 12 the Southeast banks nearest its size between $3B and $10B, with $4.47B in assets at 30 June 2026. Loans are 112.3% of deposits, the highest in the cohort against a median of 87.6%, and equity is 11.5% of assets, 4th of 12. Loans grew +26.6% in the year, 2nd of 12, and deposits grew 29.5%; the cohort's median loan growth is +6.8%.

Noncurrent loans are 0.44% of the book, 6th of 12 against a median of 0.47%; 0.61% is 30 to 89 days past due, and the allowance covers them 1.5 times. Commercial real estate is 19.7% of loans, 2nd of 12 against a median of 28.9%, and 148% of capital, below the 300% screen, with construction at 13% against the 100% screen. CRE has grown +662.7% over 36 months, past the guidance's 50% prong.

Return on assets is 1.97%, 2nd of 12 against a median of 1.43%, on an efficiency ratio of 41.0%, 3rd of 12. Five years ago it was 2.41%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Loans as a share of depositsSoutheast banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 87.6% FF First Federal Bank 41.7% CC Capital City Bank 66.4% FB Fidelity Bank 70.1% SB Southern Bank & Trust Co. 74.7% CB Colony Bank 82.7% VB Vallant Bank 86.3% CB Carter Bank & Trust 89.0% FB First Bank & Trust Co. 95.2% SF Southern First Bank 100.9% HB Hometrust Bank 103.6% PB Primis Bank 107.0% MC Metro City Bank 112.3%
Loans, year over yearSoutheast banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.8% VB Vallant Bank +84.1% MC Metro City Bank +26.6% CB Colony Bank +23.5% PB Primis Bank +13.6% SB Southern Bank & Trust Co. +8.4% SF Southern First Bank +7.5% FB First Bank & Trust Co. +6.1% FB Fidelity Bank +5.9% FF First Federal Bank +4.6% CB Carter Bank & Trust -0.3% HB Hometrust Bank -2.6% CC Capital City Bank -4.4%

SBA 7(a), FY2008 to FY2026

Metro City Bank is the 1st largest 7(a) lender into Georgia of 409, with $1.91B across 1,541 loans, 9.6% of everything approved in the state (Metro City Bank leads with $1.91B). 244 of its 404 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Gwinnett, GA$340M1st of 16914.6%-11.0 pts
Fulton, GA$257M1st of 2118.1%-3.6 pts
Dekalb, GA$240M1st of 15115.2%-15.4 pts
Dallas, TX$155M8th of 3142.8%-1.2 pts
Tarrant, TX$146M5th of 2813.9%-3.6 pts
Cobb, GA$120M1st of 1827.0%-6.7 pts
Forsyth, GA$84M1st of 12011.7%-3.7 pts
Hall, GA$83M1st of 9718.8%-1.9 pts
Harris, TX$71M29th of 3140.9%-0.6 pts
Clayton, GA$71M1st of 9318.2%-15.2 pts
Collin, TX$56M7th of 2612.1%-2.3 pts
Rockdale, GA$53M1st of 8021.8%quiet FY2022
Fayette, GA$46M1st of 9013.6%-12.8 pts
391 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade1,200$1.67B46.0%2.75%5th of 2,589
Accommodation & food services655$724M19.9%0.94%21st of 2,596
Other services364$557M15.3%1.59%7th of 2,248
Agriculture, forestry & fishing125$191M5.3%2.35%5th of 1,007
Wholesale trade121$128M3.5%0.50%41st of 1,651
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and Metro City Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Metro City BankRankCohort median
Total CRE against capital, the 300% screen148%3rd of 12221%
Construction against capital, the 100% screen13%2nd of 1257%
Construction and land development, share of loans1.8%1st of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans17.4%6th of 1218.2%
Total CRE, the guidance definition, share of loans19.7%2nd of 1228.9%
CRE growth over 36 months, the third prong+662.7%12th of 12+9.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Southern Bank & Trust Co.$5.30B1.3%52.6%0.12%0.00%1.0%74.7%8.2%
Carter Bank & Trust$4.80B3.6%38.6%1.01%-0.83%1.5%89.0%11.3%
Southern First Bank$4.70B0.9%57.4%0.28%0.01%1.1%100.9%8.7%
Fidelity Bank$4.66B1.7%51.5%0.42%0.06%1.3%70.1%10.0%
First Federal Bank$4.49B1.2%66.7%2.96%0.11%0.8%41.7%10.4%
Metro City Bank$4.47B2.0%41.0%0.44%0.01%0.7%112.3%11.5%
Capital City Bank$4.45B1.5%64.8%0.40%0.12%1.2%66.4%11.9%
Hometrust Bank$4.44B1.6%60.0%1.40%0.20%1.1%103.6%13.2%
Primis Bank$4.34B1.0%68.0%1.83%0.37%1.2%107.0%11.0%
First Bank & Trust Co.$4.28B1.8%40.0%0.28%0.22%1.3%95.2%9.9%
Vallant Bank$3.99B1.2%68.7%0.51%0.06%1.3%86.3%12.3%
Colony Bank$3.61B1.1%65.0%0.76%0.28%0.9%82.7%11.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Metro City BankCohort median
20212026Change20212026Change
Loans$2.10B$3.96B+89%$2.09B$3.62B+73%
Deposits$2.03B$3.53B+74%$2.75B$3.71B+35%
NPA / loans0.32%0.44%+0.12 pts0.33%0.47%+0.14 pts
Efficiency35.9%41.0%+5.0 pts61.7%58.7%-3.0 pts
ROA2.41%1.97%-0.44 pts1.31%1.43%+0.12 pts

This read was prepared for Metro City Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Metro City Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southeast banks $3B to $10B
Institution www.metrocitybank.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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