Metropolitan Bank is a bank based in Oakland, California, established in 1983, with $232 million in total assets across 4 branches. By Trust Grade it ranks 74th of 117 banks we track in California. Its capital ratio of 13.0% is stronger than 81% of similarly sized banks, versus a California median of 11.7%. It was profitable over the most recent period, with a 0.60% return on assets. No consumer complaints against Metropolitan Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Metropolitan Bank compares to California peers
How we graded Metropolitan Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.0% capital ratio)
- Profitable (ROA 0.60%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Metropolitan Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 1816 Tully Road, No. 192, San Jose, CA 95122
- 381 8th St, Oakland, CA 94607
- 250 E 18th St, Oakland, CA 94606
- 1355 Stockton St, San Francisco, CA 94133
Are deposits at Metropolitan Bank insured?
Yes. Metropolitan Bank is an FDIC-insured bank (FDIC certificate #25869). 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.
Metropolitan Bank: frequently asked questions
Is Metropolitan Bank a good bank?
Metropolitan Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (13.0% capital ratio); Profitable (ROA 0.60%).
Is Metropolitan Bank FDIC-insured?
Yes. Metropolitan Bank is a FDIC-insured bank (FDIC certificate #25869). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Metropolitan Bank?
Metropolitan Bank holds $232 million in total assets, ranking 74th of 117 banks we track in California. It operates 4 branches.
Does Metropolitan Bank have CFPB complaints?
No CFPB complaints against Metropolitan 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.
