Bank · FDIC insured
Metropolitan Bank
A $230.2M bank headquartered in Oakland, CA, with 4 branches in California. Best rates: CDs 0.50% and savings 0.20% APY.
Metropolitan Bank Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#70 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Metropolitan Bank
Metropolitan Bank has served the San Francisco Bay Area for over 40 years with a commitment to personal service and community growth.
The bank supports communities in Oakland, San Francisco, and San Jose.
- Headquarters
- 250 E 18th St, Oakland, CA 94606
- FDIC certificate
- 25869 ↗
Branches
4 branches in California
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California
4 branches
San Francisco area · 3
- Metropolitan BankMain office250 E 18th St, Oakland, CA 94606Directions
- Oakland Chinatown Branch381 8th St, Oakland, CA 94607Directions
- San Francisco Branch1355 Stockton St, San Francisco, CA 94133Directions
San Jose area · 1
- San Jose Branch1816 Tully Road, No. 192, San Jose, CA 95122Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.09% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.64% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $97 | $81 | — |
- CapitalLeverage ratio13.09%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.64%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$97Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Metropolitan Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.