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Advertiser Disclosure
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 Metropolitan Capital B&T Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 4, 2026
Metropolitan Capital B&T's 12-Month Fixed Interest Rate Certificates of Deposit rates are at 2.75%, 24-Month Fixed Interest Rate Certificates of Deposit rates are at 2.75%, 36-Month Fixed Interest Rate Certificates of Deposit rates are at 2.75%, 60-Month Fixed Interest Rate Certificates of Deposit rates are at 2.75%, 12-Month Fixed Interest Rate Certificates of Deposit rates are at 2.50%. Metropolitan Capital B&T's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of Metropolitan Capital B&T with a 5.0 Star Rating, an B Overall Health Grade, and a Texas Ratio of 28.57%. Rates were last updated on 05/04/2026. Metropolitan Capital B&T money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Metropolitan Capital B&T? Share your experience about Metropolitan Capital B&T by leaving a review below, or read customer reviews before you decide to use Metropolitan Capital B&T. 
Metropolitan Capital B&T CD Rates
Metropolitan Capital B&T Money Market Rates
Metropolitan Capital B&T Checking Rates
Metropolitan Capital B&T Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Metropolitan Capital B&T is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Metropolitan Capital B&T rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Metropolitan Capital B&T's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Metropolitan Capital B&T
Bank Holding Company
METROPOLITAN CAPITAL BCORP INC
Address
9 E Ontario St,
Chicago, IL 60611 · Cook
Website
https://www.metcapbank.com
FDIC Certificate #
57488
Established
01/25/2005
FDIC Insurance Date
01/25/2005
Domestic Offices
1
Total Branches
0
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB
Overall Health Grade
Score: 86/100
5.0
Exceptional
Out of 5.0 Stars
28.57%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9348%
Return on Equity (ROE)
16.2200%
Non-Performing Loans (NPL)
1.56%
Total Assets
$235,465,000
Total Deposits
$202,073,000
Equity Capital
$-1,774,000
Net Income
$-17,299,000
Headquarters
Chicago
Total Offices
1
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About Metropolitan Capital B&TIs Metropolitan Capital B&T a safe place to deposit money?Yes, Metropolitan Capital B&T is considered a safe financial institution. With a Texas Ratio of 28.565864298512%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Metropolitan Capital B&T operate?Metropolitan Capital B&T currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Metropolitan Capital B&T does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Metropolitan Capital B&T provides members with tools to manage their accounts and build a solid financial history. Does Metropolitan Capital B&T offer online and mobile banking?Most modern institutions like Metropolitan Capital B&T provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.metcapbank.com. Current Metropolitan Capital B&T Rates
Retrieved from our database of financial products. Rates subject to change.
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