Closed Friday, January 30, 2026 · Chicago, Cook County, Illinois
Metropolitan Capital Bank & Trust
Metropolitan Capital Bank & Trust was the third-largest of the 6 bank failures in 2026. Equity capital was below zero at its last report.
On the books, 2018 to 2025
Total assets peaked at $303 million in the first quarter of 2018 and were 22% lower at the final report. Equity capital had covered 6.0% of assets in the first quarter of 2018. The last quarterly report, for the fourth quarter of 2025, showed $235 million in total assets; ranks on this site use the FDIC's failure record, which differs. The deepest annual loss, $17.3 million, was booked in 2025.
Size against the other 2026 failures
Total assets of each 2026 failure, log scale; Metropolitan Capital Bank & Trust in red.
Within Illinois it ranks 44th by size of the 185 failures recorded since 1934. Across the failures of 2026, the median estimated loss came to 12% of assets. In the size ranking of that year, just above it was Community Bank and Trust - West Georgia of LaGrange, Georgia ($306 million, loss 32% of assets); just below, Small Business Bank of Lenexa, Kansas ($72.9 million, loss 7.8% of assets). Every 2026 failure in the explorer.
Failures in Illinois
The previous failure there was Pulaski Savings Bank of Chicago, on January 17, 2025. No bank in Illinois has failed since. Cook County has 77 failed banks on FDIC record since 1934. Closest in time: Highland Community Bank (2015), Edgebrook Bank (2015), Seaway Bank and Trust Company (2017), Washington Federal Bank for Savings (2017), Pulaski Savings Bank (2025).