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Bank, Doraville, GA
Metro City Bank
A bank based in Doraville, GA. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $1.61B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 293
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $4.47B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 770-455-4989 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.metrocitybank.bankFrom the FDIC record, November 9, 2026.
- Commercial lending page
- metrocitybank.bankFrom the lender's website, retrieved November 11, 2026.
- Address
- 5114 Buford Hwy Ne, Doraville, GA 30340FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Metro City Bank's Construction balance rose 32.2% to $69.3M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 1 opened, 4 closed, 4 relocated.FDIC structure history. | FDIC history |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 270 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Fiscal 2026 | The holding company reported a balance of $390.3M still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. | SEC 10-Q and 10-K filings, |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 3.4% to $735.2M in the year to June 30, 2026. Includes loans from acquiring First IC Bank in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 738.3% to $687.5M in the year to June 30, 2026. Includes loans from acquiring First IC Bank in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 12.3% to $85.5M in the year to June 30, 2026. Includes loans from acquiring First IC Bank in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 75.4% to $135.4M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| December 1, 2025 | Acquired First IC Bank on December 1, 2025.FDIC structure history. | FDIC history, |
| 2024 | Reported making 39 small business loans totaling $20.7M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
| 2023-10 to 2026-09 | Named as the lender on 6 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Illinois | SBA 7(a), Beer, Wine, and Liquor Retailers | $5M | 8.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Beer, Wine, and Liquor Retailers | $5M | 7.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Beer, Wine, and Liquor Retailers | $5M | 7.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Car Washes | $4.7M | 7.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Gasoline Stations with Convenience Stores | $3.4M | 8% | 25 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Meat Retailers | $3.1M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Virginia | SBA 7(a), General Automotive Repair | $1.8M | 8% | 25 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Gasoline Stations with Convenience Stores | $1.4M | 8% | 25 yr | SBA FOIA | |
| Sep 2026 | Wisconsin | SBA 7(a), Gasoline Stations with Convenience Stores | $1.2M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | New Jersey | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $940K | 7.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Commercial Printing (except Screen and Books) | $740K | 7.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Gasoline Stations with Convenience Stores | $520K | 8% | 25 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Limited-Service Restaurants | $380K | 8.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Full-Service Restaurants | $350K | 8.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Drycleaning and Laundry Services (except Coin-Operated) | $350K | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Limited-Service Restaurants | $350K | 8.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Full-Service Restaurants | $300K | 8.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Full-Service Restaurants | $260K | 8.75% | 10 yr | SBA FOIA | |
| Aug 2026 | Georgia | SBA 7(a), Beer, Wine, and Liquor Retailers | $4.7M | 7.75% | 25 yr | SBA FOIA | |
| Aug 2026 | Texas | SBA 7(a), Coin-Operated Laundries and Drycleaners | $2.5M | 7.5% | 25 yr | SBA FOIA | |
| Jun 2025 | Georgia | SBA 504, Hotels (except Casino Hotels) and Motels | $4.8M | 25 yr | SBA FOIA | ||
| Apr 2025 | Georgia | SBA 504, Hotels (except Casino Hotels) and Motels | $4.7M | 25 yr | SBA FOIA | ||
| Mar 2025 | Texas | SBA 504, All Other Miscellaneous Manufacturing | $4.1M | 20 yr | SBA FOIA | ||
| Feb 2025 | Texas | SBA 504, Hotels (except Casino Hotels) and Motels | $4.7M | 25 yr | SBA FOIA | ||
| Aug 2024 | Georgia | SBA 504, Hotels (except Casino Hotels) and Motels | $7.4M | 25 yr | SBA FOIA | ||
| 282 SBA 7(a) loans since October 2023, net of cancelled | $494M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 6 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Metro City Bank as the lender, totaling $26.3M.
- 1 of them were recorded in the latest 12 months of that window.
| Property class | Mortgages | Dollars |
|---|---|---|
| Hotel | 3 | $24.0M |
| Mixed use | 2 | $1.40M |
| Other | 1 | $1.30M |
| Borough | Mortgages |
|---|---|
| Queens | 4 |
| Manhattan | 2 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $21.9M | 0.6% | Not reported |
| Construction and land development | $69.3M | 1.8% | +130.0% |
| Owner-occupied CRE | $735M | 18.6% | +3.4% |
| Non-owner-occupied CRE | $687M | 17.4% | +738.3% |
| Farmland | $7.52M | 0.2% | -50.9% |
| Commercial and industrial | $85.5M | 2.2% | +12.3% |
| Commercial total | $1.61B |
Includes loans from acquiring First IC Bank in the window, so growth reflects the acquisition as well as new lending.
Reference only: $2.36B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $731M |
| Q4 2023 | $803M |
| Q1 2024 | $824M |
| Q2 2024 | $818M |
| Q3 2024 | $826M |
| Q4 2024 | $865M |
| Q1 2025 | $902M |
| Q2 2025 | $915M |
| Q3 2025 | $926M |
| Q4 2025 | $1.70B |
| Q1 2026 | $1.62B |
| Q2 2026 | $1.61B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 394 | $123M | $245K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 282 | $494M | $1.25M | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 95 | $183M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 11 | $72.7M | $5.83M | $13M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
| Industry | Loans | Dollars |
|---|---|---|
| Gasoline Stations with Convenience Stores | 62 | $92.3M |
| Full-Service Restaurants | 35 | $39.6M |
| Beer, Wine, and Liquor Retailers | 32 | $106M |
| Limited-Service Restaurants | 27 | $15.6M |
| Hotels (except Casino Hotels) and Motels | 19 | $61.9M |
| Cosmetics, Beauty Supplies, and Perfume Retailers | 15 | $21.9M |
| Car Washes | 13 | $44.5M |
| Coin-Operated Laundries and Drycleaners | 10 | $19.9M |
| Convenience Retailers | 10 | $7.11M |
| Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 7 | $16.8M |
Other lenders in these fields: SBA lenders for gas stations and convenience stores, SBA lenders for restaurants, SBA lenders for retail stores.
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Metro City Bank reported making 39 small business loans totaling $20,681,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 1 of $100,000 or less, 5 over $100,000 up to $250,000, 33 over $250,000 up to $1 million.
- 16 of them, totaling $8,410,000, went to businesses with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Gwinnett County, GA | 9 | $4.95M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Metro City Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $135,380,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $21,837,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 174 | $6.70M |
| Over $100,000 up to $250,000 | 125 | $19.0M |
| Over $250,000 up to $1 million | 73 | $22.5M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 91 | $7.94M |
| Over $100,000 up to $250,000 | 210 | $37.1M |
| Over $250,000 up to $1 million | 414 | $262M |
| Original amount | Loans | Holds |
|---|---|---|
| Over $100,000 up to $250,000 | 6 | $587K |
| Over $250,000 up to $500,000 | 5 | $1.52M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Georgia HQ | 12 | 0 | 82 | 95 | 8 |
| New York | 2 | 0 | 113 | 14 | 0 |
| Texas | 4 | 0 | 8 | 91 | 2 |
| Florida | 1 | 0 | 12 | 10 | 0 |
| New Jersey | 2 | 0 | 18 | 4 | 0 |
| Alabama | 2 | 0 | 8 | 11 | 0 |
| Virginia | 2 | 0 | 4 | 5 | 0 |
| California | 2 | 0 | 2 | 5 | 0 |
| Pennsylvania | 0 | 0 | 115 | 8 | 0 |
| Connecticut | 0 | 0 | 12 | 0 | 0 |
| Massachusetts | 0 | 0 | 9 | 0 | 0 |
| Oklahoma | 0 | 0 | 0 | 9 | 0 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Metro City Bank has 27 offices in 17 counties and 8 states (FDIC Summary of Deposits, June 30, 2026): 27 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Gwinnett County, GA | 6 | 0 |
| DeKalb County, GA | 2 | 0 |
| Bergen County, NJ | 2 | 0 |
| Queens County, NY | 2 | 0 |
| Dallas County, TX | 2 | 0 |
| Fairfax County, VA | 2 | 0 |
| Lee County, AL | 1 | 0 |
| Montgomery County, AL | 1 | 0 |
| Los Angeles County, CA | 1 | 0 |
| Orange County, CA | 1 | 0 |
| Hillsborough County, FL | 1 | 0 |
| Cobb County, GA | 1 | 0 |
| Forsyth County, GA | 1 | 0 |
| Fulton County, GA | 1 | 0 |
| Troup County, GA | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $78.8M | $26.8M to $78.3M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 148.2% | 121.8% to 291.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 13.2% | 19.0% to 98.0% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 112.3% | 50.3% to 91.0% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $135M | $112M to $302M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 75.4% from a year earlier. | FDIC call report, |
| Loans to assets | 88.7% | 43.8% to 79.5% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 270 loans (95.7%)
- Approval to first disbursement
- 24 days, median of 245
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Colony Bank | GA | $3.61B | $1.77B |
| Vallant Bank | GA | $3.99B | $2.28B |
| Georgia Banking Company | GA | $3.26B | $1.62B |
| Queensborough National Bank & Trust Company | GA | $2.28B | $971M |
| United Bank | GA | $2.16B | $571M |
| ChoiceOne Bank | MI | $4.45B | $2.12B |
| American Business Bank | CA | $4.42B | $2.97B |
| BankSouth | GA | $1.59B | $601M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Metro City Bank, FDIC certificate 58181. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $4.47B in total assets and $1.61B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 687 recorded loans from HMDA and SBA files, through September 30, 2026: 394 HMDA 1-4 unit investor 2025, 282 SBA 7(a) in 36 months, 11 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Metro City Bank]
- Phone and website. Phone 770-455-4989, from the lender's website on November 9, 2026. Website metrocitybank.bank, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 39 small business loans reported in its CRA filing for 2024. [Source]
- Recorded mortgages, New York City. 6 recorded mortgages in New York City under this name. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 58181
- RSSD
- 3437456
- LEI
- 254900TM81D0YC1B9584
- The Lender Report ID
- lr_000425
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Atlanta-Sandy Springs-Alpharetta, GA
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $4.5B in total assets as of June 30, 2026 (FDIC call report).
- Held $1.6B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $735.2M of owner-occupied commercial real estate loans as of June 30, 2026, up 3.4% from a year earlier, including loans acquired in a merger (FDIC call report).
- Held $687.5M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 738.3% from a year earlier, including loans acquired in a merger (FDIC call report).
- Held $85.5M of commercial and industrial loans as of June 30, 2026, up 12.3% from a year earlier, including loans acquired in a merger (FDIC call report).
- Originated 394 1-4 unit investor or business-purpose loans totaling $122.8M in 2025 (HMDA).
9 more sentences
- Recorded 327 SBA 7(a) approvals totaling $559.4M from October 1, 2023 to September 30, 2026, of which 45 were later cancelled (SBA).
- Provided the first lien on 11 SBA 504 projects with $72.7M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 27 offices in 8 states (FDIC).
- Reported making 39 small business loans totaling $20.7M in 2024, in its Community Reinvestment Act filing (FFIEC).
- MetroCity Bankshares, Inc. reported in its 10-Q for the period ended 2026-09-30 that the company and all of its subsidiaries together still held $390.3M of loans originated in fiscal 2026 (SEC filing).
- Held 372 commercial and industrial loans that were $1 million or less when made, with a balance of $48.2M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 715 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $307.1M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $135.4M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Named as the lender on 6 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $26.3M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, Metro City Bank, https://lender.report/lender/metro-city-bank-ga/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- SEC 10-Q and 10-K filings, September 30, 2026
- FDIC Summary of Deposits, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem