US Metro Bank
US Metro Bank is a California-chartered, full-service commercial bank headquartered in Garden Grove that provides deposit and loan products including checking, savings, certificates of deposit, and commercial lending services to executives, professionals, and small- to medium-sized businesses.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (76 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
US Metro Bank ranks #9 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of US Metro Bank’s 7(a) acquisition lending falls in the $1M-$2M range: 24 loans, 31.6% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 10 | 13.2% | |
| $500K-$1M | 14 | 18.4% | |
| $1M-$2M | 24 | 31.6% | |
| $2M-$3M | 15 | 19.7% | |
| $3M-$4M | 5 | 6.6% | |
| $4M-$5M | 8 | 10.5% |
Industries with highest loan volume
Hotels (except Casino Hotels) and Motels
30
loans
$2.4M
avg. amount
Gasoline Stations with Convenience Stores
15
loans
$2.3M
avg. amount
Beer, Wine, and Liquor Retailers
8
loans
$1.4M
avg. amount
Full-Service Restaurants
5
loans
$1.1M
avg. amount
Assisted Living Facilities for the Elderly
3
loans
$1.4M
avg. amount
Limited-Service Restaurants
3
loans
$305K
avg. amount
Convenience Retailers
3
loans
$1.8M
avg. amount
Baked Goods Retailers
1
loans
$196K
avg. amount
Tax Preparation Services
1
loans
$720K
avg. amount
Coin-Operated Laundries and Drycleaners
1
loans
$1.6M
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
US Metro 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 5 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.98% |
| $500K-$1M | Prime + 1.61% |
| $1M-$2M | Prime + 1.30% |
| $2M-$3M | Prime + 1.33% |
| $3M-$4M | Prime + 1.45% |
| $4M-$5M | Prime + 1.19% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q2 '23 | Prime + 1.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q3 '25 | Prime + 1.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 17 |
| Q4 '25 | Prime + 1.25% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 17 |
| Q1 '26 | Prime + 1.25% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 18 |
| Q2 '26 | Prime + 1.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 7 |
US Metro Bank has originated 7(a) acquisition loans in 21 states, most actively in California (19), Washington (13) and Texas (12). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| California | 19 | 25.0% |
| Washington | 13 | 17.1% |
| Texas | 12 | 15.8% |
| Georgia | 4 | 5.3% |
| Virginia | 4 | 5.3% |
| New Mexico | 3 | 3.9% |
| Maryland | 3 | 3.9% |
| Colorado | 3 | 3.9% |
| Kansas | 2 | 2.6% |
| Louisiana | 2 | 2.6% |
| Illinois | 1 | 1.3% |
| Wyoming | 1 | 1.3% |
| Tennessee | 1 | 1.3% |
| South Carolina | 1 | 1.3% |
| New York | 1 | 1.3% |
| Minnesota | 1 | 1.3% |
| Oklahoma | 1 | 1.3% |
| Mississippi | 1 | 1.3% |
| Oregon | 1 | 1.3% |
| Florida | 1 | 1.3% |
| Idaho | 1 | 1.3% |
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