First Metro Bank is a bank based in Muscle Shoals, Alabama, established in 1988, with $1.0 billion in total assets across 11 branches. By Trust Grade it ranks 12th of 93 banks we track in Alabama. Its capital ratio of 10.9% is stronger than 60% of similarly sized banks, versus a Alabama median of 10%. It was profitable over the most recent period, with a 1.57% return on assets. No consumer complaints against First Metro Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Metro Bank compares to Alabama peers
How we graded First Metro Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.9% capital ratio)
- Strongly profitable (ROA 1.57%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Metro Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (11)
- 301 N Main St, Tuscumbia, AL 35674
- 15315 Highway 43, Russellville, AL 35653
- 325 S Pine St, Florence, AL 35630
- 2708 Hough Rd, Florence, AL 35630
- 11277 Highway 101, Lexington, AL 35648
- 406 Avalon Ave, Muscle Shoals, AL 35661
- 7400 Highway 43, Florence, AL 35634
- 3121 Cloverdale Rd, Florence, AL 35633
- 309 W Washington St, Athens, AL 35611
- 2402 Avalon Ave, Muscle Shoals, AL 35661
- 22026 Gateway Boulevard, Athens, AL 35613
Are deposits at First Metro Bank insured?
Yes. First Metro Bank is an FDIC-insured bank (FDIC certificate #27381). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Metro Bank: frequently asked questions
Is First Metro Bank a good bank?
First Metro Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.9% capital ratio); Strongly profitable (ROA 1.57%).
Is First Metro Bank FDIC-insured?
Yes. First Metro Bank is a FDIC-insured bank (FDIC certificate #27381). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Metro Bank?
First Metro Bank holds $1.0 billion in total assets, ranking 12th of 93 banks we track in Alabama. It operates 11 branches.
Does First Metro Bank have CFPB complaints?
No CFPB complaints against First Metro Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
