Total Assets
$1.0B
Total Deposits
$893.7M
Branches
11
Established
1988
First Metro Bank is a bank headquartered in Muscle Shoals, Alabama, established in 1988. It holds $1.0B in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First Metro Bank earns a TFS Financial Health Grade of A- (87.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
87.7 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First Metro BankHQ | 406 Avalon Ave | Muscle Shoals | AL | 11 |
| First Metro Bank | 22026 Gateway Boulevard | Athens | AL | 11 |
| First Metro Bank | 309 W Washington St | Athens | AL | 11 |
| First Metro Bank | 325 S Pine St | Florence | AL | 11 |
| First Metro Bank | 2708 Hough Rd | Florence | AL | 11 |
| First Metro Bank | 7400 Highway 43 | Florence | AL | 11 |
| First Metro Bank | 3121 Cloverdale Rd | Florence | AL | 11 |
| First Metro Bank | 11277 Highway 101 | Lexington | AL | 11 |
| First Metro Bank | 2402 Avalon Ave | Muscle Shoals | AL | 11 |
| First Metro Bank | 15315 Highway 43 | Russellville | AL | 11 |
| First Metro Bank | 301 N Main St | Tuscumbia | AL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
87.7
Tier 1 capital ratio
12.98%
Return on assets
1.62%
Non-performing loans
0.13%
Efficiency ratio
44.72%
Asset growth (YoY)
1.40%
Suggested direct comparisons
HUNTSVILLE, AL
$8.6B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.