Metro City Bank
Metro City Bank is the largest Korean-American bank not based in Los Angeles, offering comprehensive financial services including personal and business checking, savings, CDs, IRAs, commercial loans, SBA loans, USDA loans, and residential mortgages across 19 branches.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (111 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Metro City Bank ranks #31 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Metro City Bank’s 7(a) acquisition lending falls in the $500K-$1M range: 28 loans, 25.2% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 18 | 16.2% | |
| $500K-$1M | 28 | 25.2% | |
| $1M-$2M | 26 | 23.4% | |
| $2M-$3M | 16 | 14.4% | |
| $3M-$4M | 5 | 4.5% | |
| $4M-$5M | 18 | 16.2% |
Industries with highest loan volume
Gasoline Stations with Convenience Stores
33
loans
$1.5M
avg. amount
Beer, Wine, and Liquor Retailers
18
loans
$3.3M
avg. amount
Hotels (except Casino Hotels) and Motels
10
loans
$2.3M
avg. amount
Coin-Operated Laundries and Drycleaners
9
loans
$2.0M
avg. amount
Limited-Service Restaurants
8
loans
$535K
avg. amount
Car Washes
6
loans
$3.8M
avg. amount
Full-Service Restaurants
6
loans
$610K
avg. amount
Cosmetics, Beauty Supplies, and Perfume Retailers
5
loans
$398K
avg. amount
Convenience Retailers
5
loans
$822K
avg. amount
Broilers and Other Meat Type Chicken Production
2
loans
$3.6M
avg. amount
10-Year
0.8%
Percentile Ranking
83th
83th percentile
Metro City Bank’s median variable rate is + 1.25%, against a market median of Prime + 1.88%, 63 below market.
It priced below the market median in every one of the last 8 quarters. 5 of the 111 loans in its trailing three-year book carried a fixed rate; the rest were variable.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.58% |
| $500K-$1M | Prime + 1.32% |
| $1M-$2M | Prime + 1.27% |
| $2M-$3M | Prime + 1.15% |
| $3M-$4M | Prime + 1.00% |
| $4M-$5M | Prime + 0.98% |
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q3 '24 | Prime + 1.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 10 |
| Q4 '24 | Prime + 1.25% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 11 |
| Q1 '25 | Prime + 1.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 10 |
| Q2 '25 | Prime + 1.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 8 |
| Q3 '25 | Prime + 1.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 8 |
| Q4 '25 | Prime + 1.50% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 4 |
| Q1 '26 | Prime + 1.50% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
| Q2 '26 | Prime + 1.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 9 |
Metro City Bank has originated 7(a) acquisition loans in 19 states, most actively in Texas (38), Georgia (33) and Pennsylvania (6). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Texas | 38 | 34.2% |
| Georgia | 33 | 29.7% |
| Pennsylvania | 6 | 5.4% |
| New York | 5 | 4.5% |
| Oklahoma | 4 | 3.6% |
| California | 4 | 3.6% |
| Kansas | 3 | 2.7% |
| Washington | 3 | 2.7% |
| Tennessee | 2 | 1.8% |
| Alabama | 2 | 1.8% |
| Florida | 2 | 1.8% |
| Virginia | 2 | 1.8% |
| Minnesota | 1 | 0.9% |
| North Carolina | 1 | 0.9% |
| South Carolina | 1 | 0.9% |
| Iowa | 1 | 0.9% |
| Arkansas | 1 | 0.9% |
| Connecticut | 1 | 0.9% |
| Illinois | 1 | 0.9% |
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