Bank · Garden Grove, CA
US Metro Bank: SBA lending profile
#85
National rank by loans
US Metro Bank approved 491 SBA loans worth $983.9M between October 2021 and June 2026, ranking #85 of 2,283 SBA lenders nationally by loan count. Its median loan was $1,530,000, and 27% went to startups or businesses under two years old. It lent in 37 states, most often in California, and its most financed industry was restaurants and hotels.
SBA loans per fiscal year
0 67 133 200 FY14: 19 loans FY14 FY15: 35 loans FY15 FY16: 54 loans FY16 FY17: 85 loans FY17 FY18: 58 loans FY18 FY19: 56 loans FY19 FY20: 50 loans FY20 FY21: 122 loans FY21 FY22: 63 loans FY22 FY23: 72 loans FY23 FY24: 43 loans FY24 FY25: 135 loans FY25 FY26 (Oct to Jun): 178 loans FY26 178 Fiscal year runs October to September. Fiscal 2026 covers October 2025 to June 2026 only.
Where US Metro Bank lends
State Loans Approved Median loan Rank in state
California 228 $423.7M $1,351,250 #39 Texas 75 $177.2M $1,964,000 #61 Washington 36 $69.7M $1,375,500 #47 Nevada 15 $16.8M $625,000 #35 Arizona 11 $19.8M $2,056,000 #74 Virginia 9 $14.3M $1,249,000 #79 Maryland 9 $12.4M $808,000 #61 Florida 9 $16.3M $1,450,000 #147 Ohio 8 $19.2M $2,300,500 #95 Oregon 7 $16.5M $1,693,000 #66 New Mexico 7 $21.6M $3,770,000 #36 Colorado 7 $16.1M $1,730,000 #107 Missouri 6 $17.4M $3,310,000 #119 Louisiana 6 $9.8M $1,241,000 #56 Georgia 5 $8.1M $2,015,000 #160
Industries US Metro Bank finances
Industry Loans Share Median loan
Restaurants and hotels 228
$2,103,500 Retail 124
$1,174,500 Health care and social assistance 32
$1,085,000 Other services (repair, personal care) 31
$1,485,000 Wholesale trade 15
$2,250,000 Professional and technical services 13
$765,000 Transportation and warehousing 11
$1,210,000 Real estate and rental 9
$1,275,000 Construction 8
$1,635,500 Administrative and support services 5
$456,000
Loan size mix
Under $150,000 0% $150,000 to $500,000 14% $500,000 to $2 million 46% $2 million and up 40% Loan programs used
Preferred Lender (PLP) 100% SBA Express 0%
Bank financials · Q2 2026
Total assets
$1.6B
Return on assets (annualized)
1.01%
Tier 1 capital to assets
10.1%
Business (C&I) loans
$95.9M
Noncurrent loans
1.56%
Uninsured deposits
48%
From the bank's FDIC call report. Shown for context, not as a rating. FDIC certificate 58310.
Loan terms
Median initial rate, FY2025 to date
8.50%
Variable-rate share
100%
Median term
25 years
Startups and new businesses
27%
Charge-off rate, 2010 to 2019 loans now closed
3.9%
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Find out where it's losing SBA share and why, which nearby counties it's missing, and what that's worth a year.
See its market report Figures come from the SBA's public loan records and describe loans the SBA approved, not applications or the lender's full business.
Methodology