American Bank of Commerce vs Metropolitan Commercial Bank

As of Q1 2026, Metropolitan Commercial Bank carries a larger commercial real estate loan book than American Bank of Commerce, roughly 6.8× the size — $6.0B versus $886.4M. CRE book size is one gauge of how much lending capacity a bank is actively deploying, though a bigger book is not automatically better for a borrower; what matters is whether the bank is still growing that book and how concentrated it has become.

Both banks are growing their CRE books quarter over quarter — American Bank of Commerce at 20.2% and Metropolitan Commercial Bank at 3.5%. A bank actively expanding its commercial real estate balance is generally still open to new originations, which is favorable for a borrower in the market today.

Both banks sit above the 300% CRE concentration guideline that federal regulators use to flag institutions for heightened scrutiny — American Bank of Commerce at 334% and Metropolitan Commercial Bank at 310%. Banks past that threshold often slow new CRE originations, not because any individual deal is weak but because their balance sheet is full.

Metropolitan Commercial Bank carries a higher nonaccrual CRE ratio (1% of its CRE book, versus 0% at the other). Rising nonaccruals consume management attention and provisions and often precede tighter credit standards — a useful caution flag when comparing the two as a potential lender.

County recorded documents show both lenders actively closing commercial loans — 8 recent for American Bank of Commerce and 2 for Metropolitan Commercial Bank. American Bank of Commerce shows the heavier recent activity in the records we track. Filed deeds of trust are the ground truth of a closed, secured loan, so a presence here confirms the bank is writing business, not just quoting it.

The short version: Metropolitan Commercial Bank runs the larger CRE book. The right lender for any specific deal still depends on property type, sponsorship, and the current terms each is quoting — the table above and each bank's full profile carry the detail.