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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

U.S. Metro Bank

Garden Grove, California · $1.64B in assets · beside the 11 other California banks between $1B and $3B

The filing

9.8%
Equity / assets
11th of 12
1.01%
ROA
11th of 12
393.0%
CRE / capital
11th of 12

U.S. Metro Bank is the sixth largest of the 12 California banks nearest its size between $1B and $3B, with $1.64B in assets at 30 June 2026. Loans are 95.4% of deposits, 10th of 12 against a median of 88.6%, and equity is 9.8% of assets, 11th of 12. Loans grew +11.5% in the year, 4th of 11, and deposits grew 12.2%; the cohort's median loan growth is +4.2%.

Noncurrent loans are 1.54% of the book, 9th of 11 against a median of 0.41%; 1.88% is 30 to 89 days past due, and the allowance covers them 0.8 times. Net charge-offs are 0.37% of loans, the highest in the cohort. Commercial real estate is 52.2% of loans, 7th of 11 against a median of 49.6%, and 393% of capital, above the 300% screen, with construction at 17% against the 100% screen.

Return on assets is 1.01%, 11th of 12 against a median of 1.11%, on an efficiency ratio of 60.4%, 7th of 12. Five years ago it was 1.67%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 22.2% of loans).

Return on assetsCA banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.11% Bo Bank of NY Mellon Trust Co. N.A. 15.28% MB Malaga Bank FSB 1.68% MB Mission Bank 1.63% FB FFB Bank 1.29% FN First Northern Bank of Dixon 1.12% AR American Riviera Bank 1.12% SB Savings Bank of Mendocino County 1.11% CB Commonwealth Business Bank 1.11% OV Oak Valley Community Bank 1.11% SB State Bank of India California 1.09% UM U.S. Metro Bank 1.01% MB Montecito Bank & Trust 0.58%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.2% FB FFB Bank +15.5% AR American Riviera Bank +13.1% MB Mission Bank +12.9% UM U.S. Metro Bank +11.5% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% SB State Bank of India California +3.9% MB Montecito Bank & Trust +3.7% MB Malaga Bank FSB +2.7% FN First Northern Bank of Dixon +2.6% SB Savings Bank of Mendocino County -1.8%

SBA 7(a), FY2008 to FY2026

U.S. Metro Bank is the 19th largest 7(a) lender into California of 512, with $858M across 642 loans, 1.3% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 57 of its 242 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, 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
Los Angeles, CA$283M18th of 3081.4%+0.0 pts
Orange, CA$113M17th of 2561.5%-0.2 pts
San Bernardino, CA$75M15th of 2132.1%-1.5 pts
Riverside, CA$64M14th of 2191.8%+0.4 pts
Dallas, TX$47M34th of 3140.8%-1.5 pts
Harris, TX$46M43rd of 3140.6%thin
San Diego, CA$43M29th of 2380.8%+1.4 pts
Sacramento, CA$37M16th of 1701.6%-2.2 pts
Kern, CA$35M8th of 1293.7%-0.7 pts
Clark, NV$35M19th of 2291.2%-2.5 pts
King, WA$35M34th of 1930.7%-0.0 pts
San Joaquin, CA$25M12th of 1302.6%+0.2 pts
Snohomish, WA$24M20th of 1271.5%-0.1 pts
229 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
Accommodation & food services450$953M54.9%1.24%12th of 2,596
Retail trade245$335M19.3%0.55%38th of 2,589
Other services78$105M6.0%0.30%68th of 2,248
Health care & social assistance73$92M5.3%0.19%79th of 2,172
Wholesale trade40$67M3.8%0.26%69th of 1,651
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and U.S. Metro Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans UM U.S. Metro Bank 1.3% $858M · 642 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
U.S. Metro BankRankCohort median
Total CRE against capital, the 300% screen393%11th of 12261%
Construction against capital, the 100% screen17%9th of 1212%
Construction and land development, share of loans2.3%6th of 112.3%
Non-owner-occupied nonfarm nonresidential, share of loans46.0%9th of 1139.9%
Total CRE, the guidance definition, share of loans52.2%7th of 1149.6%
CRE growth over 36 months, the third prong+35.3%10th of 11+11.2%

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
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
First Northern Bank of Dixon$1.93B1.1%59.8%0.41%0.12%1.3%65.4%11.2%
U.S. Metro Bank$1.64B1.0%60.4%1.54%0.37%1.3%95.4%9.8%
FFB Bank$1.62B1.3%64.9%3.54%0.31%1.4%90.6%11.5%
Malaga Bank FSB$1.45B1.7%29.0%0.00%0.00%0.3%131.8%16.7%
American Riviera Bank$1.44B1.1%61.3%0.68%0.00%1.2%93.1%10.3%
State Bank of India California$1.38B1.1%56.5%1.11%0.01%1.3%100.1%13.5%
Bank of NY Mellon Trust Co. N.A.$1.37B15.3%40.4%no recordno recordno record0.0%80.6%
Savings Bank of Mendocino County$1.28B1.1%60.5%0.36%-0.01%2.5%72.2%14.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
U.S. Metro BankCohort median
20212026Change20212026Change
Loans$629M$1.37B+118%$833M$1.21B+45%
Deposits$771M$1.44B+86%$1.11B$1.41B+27%
NPA / loans0.31%1.54%+1.24 pts0.16%0.41%+0.25 pts
Efficiency44.2%60.4%+16.2 pts52.3%60.1%+7.8 pts
ROA1.67%1.01%-0.66 pts1.16%1.11%-0.05 pts

This read was prepared for U.S. Metro 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 U.S. Metro 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 CA banks $1B to $3B
Institution WWW.USMETROBANK.COM

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state 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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