Metropolitan Capital Bank & Trust
Chicago, IL · Owner: Metropolitan Capital Bcorp Inc
$235M
total assets, December 31, 2025
$235M
total assets, December 31, 2025
Metropolitan Capital Bank & Trust was a state nonmember bank in Chicago, IL, owned by Metropolitan Capital Bcorp Inc. It failed on Jan 30, 2026, and First Independence Bank took over its deposits. At its last report it held $261.2 million in assets.
Updated Oct 11, 2026 · numbers as of December 31, 2025
This bank failed
- Failed on
- Jan 30, 2026
- Assets
- $261M
- Deposits
- $212M
- Estimated cost
- $19.6M
- Deposits went to
- First Independence Bank, Detroit, MI
Total assets
$235M
-4.7% in a year · -9.8% in a quarter
Deposits
$202M
-7.3% in a year · -4.8% in a quarter
Loans
$137M
-23.5% in a year · -6.1% in a quarter
Profit so far
-$17.3M
Jan 1 to Dec 31, 2025
Capital ratio
1.83%
-2.77 pts in a year
Return on assets
-6.92%
-2.01 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 9 E Ontario St, Chicago, IL, 60611
- County
- Cook
- Holding company
- Metropolitan Capital Bcorp Inc
- Established
- Jan 25, 2005
- Failed
- Jan 30, 2026
- Employees
- 43
- Branches
- 1
- Id
- b57488
Quarter by quarter
March 31, 2005 to December 31, 2025
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.
Related pages
Questions and answers
How big is Metropolitan Capital Bank & Trust?
$235.5 million in total assets and $202.1 million in deposits as of December 31, 2025, with assets down 4.7% from a year before. Its loans were $136.6 million.
How many branches does Metropolitan Capital Bank & Trust have?
1 branch in Illinois as of June 30, 2026.
Is Metropolitan Capital Bank & Trust profitable?
No: it lost $17.3 million from January 1 to December 31, 2025. Its return on assets was -6.92% a year; about 1% is typical.
Who owns Metropolitan Capital Bank & Trust?
Metropolitan Capital Bank & Trust is owned by Metropolitan Capital Bcorp Inc, its holding company.
When did Metropolitan Capital Bank & Trust fail?
Jan 30, 2026. First Independence Bank of Detroit, MI took over its deposits. The estimated cost of the failure was $19.6 million.
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.