First Metro Bank
Muscle Shoals, AL · Owner: First Metro Bcorp
$1.0B
total assets, June 30, 2026
$1.0B
total assets, June 30, 2026
First Metro Bank is a state nonmember bank based in Muscle Shoals, AL, owned by First Metro Bcorp. As of June 30, 2026 it held $1.0 billion in assets and $893.7 million in deposits; assets were up 1.4% from a year before. It has 11 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.0B
+1.4% in a year · +0.3% in a quarter
Deposits
$894M
-0.0% in a year · -0.1% in a quarter
Loans
$600M
+6.5% in a year · +1.4% in a quarter
Profit so far
$8.2M
Jan 1 to Jun 30, 2026 · -0.1% in a year
Capital ratio
12.98%
+0.94 pts in a year
Return on assets
1.62%
-0.03 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 406 Avalon Ave, Muscle Shoals, AL, 35661
- County
- Colbert
- Holding company
- First Metro Bcorp
- Established
- Nov 7, 1988
- Employees
- 133
- Branches
- 11
- Website
- www.firstmetro.com
- Id
- b27381
Quarter by quarter
December 31, 1988 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
11 offices as of June 30, 2026, holding $893.7 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Alabama | 11 | $894M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| First Metro Bank (main office) | Muscle Shoals, AL | $395M |
| Main Street Branch | Tuscumbia, AL | $170M |
| Pine Street Branch | Florence, AL | $109M |
| Lexington Branch | Lexington, AL | $61.1M |
| Russellville Branch | Russellville, AL | $45.0M |
| Florence Branch | Florence, AL | $28.0M |
| Highway 43 Branch | Florence, AL | $27.0M |
| Cloverdale Road Branch | Florence, AL | $24.0M |
| Athens Branch | Athens, AL | $17.7M |
| Gateway Boulevard Branch | Athens, AL | $9.0M |
Related pages
Questions and answers
How big is First Metro Bank?
$1.0 billion in total assets and $893.7 million in deposits as of June 30, 2026, with assets up 1.4% from a year before. Its loans were $599.7 million.
How many branches does First Metro Bank have?
11 branches in Alabama as of June 30, 2026.
Is First Metro Bank profitable?
Yes: it earned $8.18 million from January 1 to June 30, 2026 (down 0.1% from the same months a year before). Its return on assets was 1.62% a year; about 1% is typical.
Who owns First Metro Bank?
First Metro Bank is owned by First Metro Bcorp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.