US Metro Bank
US Metro Bank is a California-chartered commercial bank serving small to medium-sized businesses, SBA borrowers, and Korean-American immigrant communities across Southern California, Washington, and national loan production offices, offering deposit, lending, treasury, and SBA products.
- Company typePrivate
- Founded2006
- HeadquartersGarden Grove, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What US Metro Bank does
US Metro Bank is a California-chartered commercial nonmember bank founded in 2006 and headquartered in Garden Grove, California. It operates as the wholly owned banking subsidiary of US Metro Bancorp, a holding company publicly traded on the OTCQX market under ticker USMT. The bank serves small to medium-sized businesses, commercial real estate investors, SBA-eligible borrowers, individual consumers, and mortgage finance companies, with a notable concentration in the Korean-American and broader Southern California immigrant business community.
The bank delivers a full-service deposit and loan product suite including personal and business checking, savings, money market accounts, and certificates of deposit; SBA 7(a) and 504 loans as a Preferred SBA Lender; commercial real estate, construction, business term loans, lines of credit, and mortgages; and warehouse lending facilities for residential mortgage brokers. Treasury management capabilities span ACH origination, remote deposit capture, positive pay fraud detection, and web-based wire transfers, with international trade services including letters of credit and documentary collections. Digital delivery is enabled through online banking and a mobile app on iOS and Android with Zelle P2P payment integration.
US Metro Bank generates revenue primarily through net interest income on its loan portfolio, supplemented by fee-based income from treasury management, SBA loan origination, warehouse lending, wire transfers, and account services. Distribution occurs through nine physical branches in Southern California and Washington state, six loan production offices in Texas, Colorado, Virginia, Florida, Fresno, and Sacramento, and digital self-service channels. As of Q1 2026, the bank reported $1.563 billion in total assets, $1.363 billion in deposits, and $1.3 billion in gross loans.
US Metro Bank firmographics
Firmographics- Name
- US Metro Bank
- Legal name
- US Metro Bank
- Website
- https://usmetrobank.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- US Metro Bank is a California-chartered commercial bank serving small to medium-sized businesses, SBA borrowers, and Korean-American immigrant communities across Southern California, Washington, and national loan production offices, offering deposit, lending, treasury, and SBA products.
- Ownership category
- akta.pro rank
US Metro Bank industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- General SME & Middle-Market Commercial Banking (FSABABAA)
- akta.pro secondary industries
- SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)
Keywords
Where US Metro Bank is headquartered
LocationHeadquarters
- HQ city
- Garden Grove
- HQ country
- United States
- HQ region
- North America
Offices14 records
Markets served
US Metro Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Interest income generated from loan portfolio including commercial real estate, SBA loans, construction lending, mortgage loans, and commercial and industrial loans. Offset by interest paid on deposits including checking, savings, money market, and certificate of deposit accounts.
- Fee-based Banking Services: Non-interest income from various banking services including wire transfers, treasury management services (ACH, remote deposit, positive pay), international trade services (letters of credit, documentary collections), safe deposit boxes, and account maintenance fees.
- SBA Lending: Revenue from SBA 7(a) and SBA 504 loan programs as a Preferred SBA Lender, generating both interest income and fees from government-guaranteed small business loans.
- Warehouse Lending: Financing provided to mortgage companies for their loan funding needs, generating interest income and fee revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Simple Checking - $500 minimum to open, $8 monthly service charge for 30 debits, $0.50 per debit thereafter |
| Subscription | Monthly | Standard Business Checking - $1,000 minimum to open, $10 monthly charge plus $0.25 per debit, waived with $2,000 daily or $3,000 average balance |
| Transaction based/ take rate | Monthly | Analyzed Business Checking - $20 monthly plus per item charges, earnings credit to offset fees based on account balances |
| Subscription | Monthly | Business Plus - $45 monthly maintenance fee, waived with $15,000 average daily balance, up to 200 debits included |
| Subscription | Monthly | Business Premier - $70 monthly maintenance fee, waived with $70,000 average daily balance, up to 500 debits included |
| Subscription | Monthly | Value Money Market Business - $1,000 minimum to open, $10 monthly service charge waived with $2,500 daily or $5,000 average balance |
| Subscription | Monthly | Value Money Market Personal - Interest bearing limited transaction account, no service charge with minimum balance |
| Subscription | Monthly | Metro Family Checking - No monthly service charge, no minimum balance requirement, unlimited transactions |
| Subscription | Monthly | Standard Checking Personal - $100 minimum to open, $10 monthly service charge waived with $500 daily or $1,000 average balance |
| Other | Multi-year contract | SBA 7(a) Loans - Maximum loan amount of $5,000,000, terms up to 25 years |
| Other | Multi-year contract | SBA 504 Program - Maximum financing of 50% from US Metro Bank, 10-15% minimum down payment required |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
US Metro Bank product offering
Product offeringCore offering
US Metro Bank is a California-chartered full-service commercial bank providing deposit products (checking, savings, money market, certificates of deposit) and loan products (SBA 7(a) and 504 programs, commercial real estate, construction, business term loans, lines of credit, mortgages, warehouse lending) to small and medium-sized businesses, commercial real estate investors, and individual consumers. The bank also offers treasury management services (ACH, remote deposit capture, positive pay, web-based wires), international trade services (letters of credit, documentary collections), and digital banking through online and mobile channels.
Product overview
US Metro Bank is a California-chartered full-service commercial bank offering a unified portfolio of deposit and loan products. The core banking platform includes personal and business checking, savings, money market accounts, and certificates of deposit. Loan offerings span SBA programs (7(a) and 504), commercial real estate, construction, business term loans and lines of credit, mortgages, and warehouse lending for mortgage brokers. Treasury management services encompass ACH processing, remote deposit capture, positive pay fraud detection, and web-based wire transfers. International trade services include letters of credit and documentary collections. Digital banking is delivered through online and mobile platforms with Zelle P2P payments, digital wallet support, and MasterCard debit cards. The bank targets small to medium-sized businesses and professionals in Southern California with personalized relationship banking services.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Personal checking account products for individual consumers including Metro Family Checking (unlimited transactions, no minimum balance, no monthly fee), Standard Checking (unlimited transactions, free bill pay, fee waived with balance), and Senior Citizen Checking (no monthly charges or minimum balance for customers 65+).
- Personal Savings and Kids Savings Interest-bearing personal savings accounts including a traditional savings account ($300 minimum to open, up to six transfers per month) and a Kids Savings account ($1 minimum to open, parent/guardian as primary account holder until age 18).
- Value Money Market Account (Individuals) Interest-bearing limited transaction account for individuals with no service charge when minimum balance requirements are met, allowing up to six transfers per month.
- Certificate of Deposit Investment account paying a fixed interest rate over terms ranging from 3 months to 3 years, with simple interest paid monthly, quarterly, yearly, or at maturity.
- Business Checking Accounts A full suite of business checking accounts ranging from Business Simple Checking for startups to Business Premier for high-volume businesses, including Analyzed Business Checking with earnings credit and Super NOW Checking for sole proprietors, attorney trust accounts, and qualified non-profits.
- Business Savings and Installment Savings Interest-bearing business savings products including a traditional Business Savings account ($300 minimum to open, $5 monthly service charge waived with $300 daily balance) and an Installment Savings term account allowing businesses to make equal monthly deposits to receive a set amount at term end (12, 24, and 36 month terms).
- Value Money Market Account (Businesses) Interest-bearing limited transaction account for businesses with $1,000 minimum to open, up to six transfers per month, $10 monthly service charge waived with $2,500 daily or $5,000 average balance.
- Commercial Real Estate Loans Financing for commercial property acquisition or refinancing including shopping centers, office buildings, churches, apartments, and industrial sites with flexible short or long term options.
- Business Term Loans Competitive rate term loans for equipment upgrades, business expansion, business purchase, or business location remodeling, using business assets or real estate as collateral.
- Business Lines of Credit Revolving credit facilities for seasonal working capital, accounts receivable, inventory management, and cash reserves, available secured or unsecured based on borrower financial strength.
- SBA 7(a) Program SBA 7(a) loan program for business setup, acquisition, commercial real estate, equipment, working capital, and debt refinance with maximum loan amount of $5 million and terms up to 25 years, offered as a Preferred SBA Lender.
- SBA 504 Program SBA 504 Certified Development Company program for purchasing, refinancing, or renovating commercial properties or upgrading equipment, with US Metro Bank providing up to 50% of financing and 10-15% minimum down payment required.
- Construction Lending Construction financing for commercial, industrial, custom home, or multi-family projects, offering easy-to-process loans from property purchase through completion.
- Mortgage Loans Home mortgage loans offered through NMLS-licensed loan officers at the Wilshire Boulevard Mortgage Finance Group and other locations, assisting with home purchases and refinancing.
- Warehouse Lending Warehouse lending services for mortgage finance businesses, providing funding, account management, and daily reports through a dedicated warehouse loan funding system for residential mortgage lenders, backed by a seasoned team with close to a century of combined experience.
- International Trade Services Trade finance services for importers, exporters, and intermediaries including Import & Export Letters of Credit, Transferable Letters of Credit, Standby Letters of Credit, and Documentary Collection (Documents against Payment/Acceptance).
- Treasury Management Services Treasury management services for businesses including ACH origination for vendor and payroll payments, Remote Deposit Capture for electronic check deposits, Positive Pay fraud detection comparing issued checks to presented checks, and Web-based Wire Transfers for online funds movement.
- Online Banking Web-based banking platform for personal and business customers providing account access, bill payment, statement viewing, fund transfers between accounts, and stop payment requests.
- Mobile Banking Smartphone banking application available on Apple App Store and Google Play Store providing 24/7 account access, management, and integrated Zelle P2P payments.
- Zelle P2P Payments Peer-to-peer payment service integrated into the mobile banking app, enabling fast money transfers between users using email addresses or U.S. mobile phone numbers, typically within minutes.
- Wire Transfers Domestic and international wire transfer services initiated in person, online, by fax, or telephone for moving funds quickly and securely.
- MasterCard Debit Card MasterCard-branded debit card providing instant access to checking account funds at merchants worldwide accepting MasterCard, at ATMs, and for online purchases.
- Digital Wallet Services Mobile digital wallet service allowing customers to store debit cards and make purchases using smartphones at compatible payment terminals.
- Safe Deposit Box Secure storage service for valuables including jewelry, documents, titles, deeds, insurance policies, and computer backup discs, available in various sizes at branch locations.
- ATM Services 24/7 automated teller machine access for cash withdrawals, deposits, transfers, and balance inquiries at locations worldwide.
Quantifiable outcome
- 28.95% increase in net income year-over-year (Q1 2026 vs Q1 2025)
- +4 more outcomes
Companies that use US Metro Bank
Customer profileSegments5 records
Ideal customer profiles4 records
US Metro Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
US Metro Bank partnerships and signals
Strategic signalScale indicators15 records
Recent moves6 records
Expansion highlights4 records
US Metro Bank competitors and assessment
Company assessmentDirect peers
- First Foundation Inc. First Foundation (NASDAQ: FFWM) is a California and Texas-based community bank offering business banking, CRE, and SBA loans. Comparable to US Metro in regional commercial banking focus and product portfolio, though more diversified across larger deposit relationships.
- Bank of Hope: Bank of Hope (NYSE: HOPE) is the largest Korean-American focused bank in the U.S., formed from the merger of Wilshire Bancorp and BBCN. Highly comparable to US Metro in ethnic-community banking, SBA lending, and California/West Coast concentration.
- Cathay Bank: Cathay General Bancorp (NASDAQ: CATY) is a Chinese-American focused commercial bank with strong California presence, offering CRE, C&I, and SBA lending. Comparable to US Metro in ethnic-community commercial banking and product mix.
- Banc of California: Banc of California (NYSE: BANC) is a California-focused commercial bank with comparable SBA, CRE, and business banking offerings. Operates in similar geographic markets and competes for the same SMB deposit and loan relationships as US Metro.
- East West Bank: East West Bancorp (NASDAQ: EWBC) is a leading Asian-American focused commercial bank with deep California roots, offering SBA, CRE, and trade finance products that closely mirror US Metro's portfolio. Comparable in customer base and product capabilities, though materially larger in scale.
- Open Bank: Open Bank is a Korean-American focused commercial bank headquartered in Los Angeles, serving SMBs with similar deposit, SBA, and CRE products. Directly comparable to US Metro in niche, geography, and target customer.
- Hanmi Financial: Hanmi Financial is a Korean-American-focused community bank holding company (NASDAQ: HAFC) with a similar commercial banking, SBA, and CRE lending franchise concentrated in California. Directly comparable in customer niche, product mix, and geographic footprint to US Metro Bank.
Broad incumbents
- Pacific Premier Bancorp: Pacific Premier Bancorp (NASDAQ: PPBI) is a larger West Coast community bank holding company with CRE, C&I, and SBA lending. Operates in overlapping California markets with US Metro, though its product set and customer base are broader.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
US Metro Bank social profiles
Digital presenceUS Metro Bank compliance and trust
Trust signalCompliance4 records
US Metro Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
US Metro Bank leadership team
Management profileNumber of profiles
Profiles17 records
US Metro Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
US Metro Bank funding detail
Funding detailFunding overview
Funding rounds3 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
US Metro Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about US Metro Bank
What does US Metro Bank do?
US Metro Bank is a California-chartered full-service commercial bank providing deposit products (checking, savings, money market, certificates of deposit) and loan products (SBA 7(a) and 504 programs, commercial real estate, construction, business term loans, lines of credit, mortgages, warehouse lending) to small and medium-sized businesses, commercial real estate investors, and individual consumers. The bank also offers treasury management services (ACH, remote deposit capture, positive pay, web-based wires), international trade services (letters of credit, documentary collections), and digital banking through online and mobile channels.
Is US Metro Bank a public or private company?
US Metro Bank is a private company. It is classified as public and is currently operating.
When was US Metro Bank founded?
US Metro Bank was founded in 2006. It employs 51 to 100 people.
Where is US Metro Bank based?
US Metro Bank is headquartered in Garden Grove, United States, in the North America region.
How does US Metro Bank make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are fee-based Banking Services, SBA Lending and warehouse Lending.
Who are US Metro Bank's main competitors?
Direct peers on record are First Foundation Inc., Bank of Hope, Cathay Bank, Banc of California, East West Bank, Open Bank and Hanmi Financial. Pacific Premier Bancorp is listed as a broad incumbent.
Does US Metro Bank have an API?
No public API is recorded for US Metro Bank.
What industry is US Metro Bank in?
US Metro Bank's product category is Commercial Banking. Its primary akta.pro industry code is FSABABAA, General SME & Middle-Market Commercial Banking, with a secondary code of FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts). Its NAICS code is 52211 and its SIC code is 6022.