Garden Grove, California: January 27, 2026: US Metro Bancorp (OTCQX: USMT): US Metro Bancorp (“Bancorp”) is a bank holding company, with a single subsidiary, US Metro Bank (“Bank”). On a consolidated basis, Bancorp earned $2.2 million in the fourth quarter of 2025, compared to $2.9 million in the third quarter of 2025. For the twelve months ending December 31, 2025, the consolidated Bancorp earned $10.2 million compared to $7.1 million for the twelve months ending December 31, 2024. On a year-to-date basis, Bancorp recorded an annualized return on average assets (“ROAA”) of 0.68% and an annualized return on average equity (“ROAE”) of 9.49%. With 16,621,000 shares outstanding, earnings per share (“EPS”) for the fourth quarter of 2025 was $0.14 compared to $0.18 in the third quarter of 2025. For the twelve months ending December 31, 2025, EPS was $0.62 compared to $0.43 for the twelve months ending December 31, 2024. On December 31, 2025, Bancorp’s book value per share was $6.73 compared to $6.11 a year earlier. The Bank recorded on a year-to-date basis net interest income of $45.0 million compared to $36.1 million in the same period a year earlier. Net income of $12.3 million for the twelve months ending December 31, 2025, compares to $8.4 million reported for the same twelve months in 2024, a year over year increase of $3.9 million. The Bank reported total assets of $1.551 billion as of December 31, 2025, representing an 11.1% increase compared to the reporting period ending December 31, 2024, and year over year loan growth of $101.5 million or 8.6%. Total Bank deposits ended the fourth quarter of 2025 at $1.353 billion, a $124.2 million or 10.1% increase from $1.229 billion on December 31, 2024. Non-performing assets as a percentage of total assets of 1.56% on December 31, 2025, compared to 0.66% as of December 31, 2024. The Bank had $3.4 million Other Real Estate Owned (OREO) on December 31, 2025. Allowance for credit losses (ACL) to gross loans was 1.24% as of December 31, 2025, compared to 1.20% as of December 31, 2024. The Bank recorded a $3.9 million provision for loan loss expense, for the twelve months ending December 31, 2025, compared to $1.6 million recorded for the twelve months ending December 31, 2024. “The Bank improved profitability and performance metrics in 2025 while expanding our lending capabilities. We continued the Bank’s growth in both loans and deposits and are optimistic about 2026 and the future of US Metro Bank,” said CEO Dong Il Kim. US Metro Bank is a California chartered, full service commercial bank headquartered in Garden Grove, California. The Bank opened for business on September 15, 2006, and offers deposit and loan products (including commercial real estate, commercial and industrial, mortgage, SBA and USDA loans), as well as related banking services to its customers.
