First Metro Bank on Your Credit Report
In short: First Metro Bank is an AL-based institution — specifically a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator — that has held a charter since 1988 and appears in the FDIC directory as certificate 27381. Its most recent call report, dated 06/30/2026, shows 11 FDIC-reported offices and $1.0 billion in assets. Any tradeline carrying the First Metro Bank name is furnished by the bank, not by a servicer, so disputes under FCRA §623 go straight to the institution that holds the records. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who First Metro Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Metro Bank has been in continuous operation for 38 years, chartered November 7, 1988 and carried on the FDIC's books as certificate 27381. Its 06/30/2026 call report shows 11 FDIC-reported offices and $1.0 billion in total assets, averaging roughly $92 million per office.
How First Metro Bank appears on your credit report
First Metro Bank is a regional lender headquartered in Muscle Shoals, AL, with 11 FDIC-reported offices and $1.0 billion in assets, on a charter 38 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. Put the dispute in writing, name the specific field that is inaccurate, and keep a copy of what you sent and when.
Names it may report under
Products that commonly show up
- ◆Personal signature loans underwritten in-branch
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
Grounds to dispute a First Metro Bank entry
Each of these is a reason a First Metro Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage paid at closing but still showing an outstanding balance with First Metro Bank
- ◆Payment made in-branch on the due date but posted the following business day
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
First Metro Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, First Metro Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send First Metro Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Metro Bank questions, answered
Is First Metro Bank FDIC-insured, and what is its certificate number?
Yes. First Metro Bank holds FDIC certificate 27381. The FDIC record shows a charter established November 7, 1988, headquarters in Muscle Shoals, AL, and 11 FDIC-reported offices with $1.0 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates First Metro Bank, and where do I escalate if a dispute fails?
First Metro Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against First Metro Bank?
None that can be attributed with confidence. First Metro Bank does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 11-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to First Metro Bank would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a First Metro Bank charge-off stay on my credit report?
A charged-off First Metro Bank account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date First Metro Bank charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with First Metro Bank and disputing with a collector?
A collector's tradeline is secondary — it restates information supplied to it. First Metro Bank is the source. When you dispute with First Metro Bank under §623, the investigation runs against the bank's own ledger rather than a purchased summary, so the two routes can produce different outcomes on the same debt.
Does First Metro Bank report to all three credit bureaus?
There is no single answer that holds for every community bank. Reporting is voluntary under the FCRA, and a bank the size of First Metro Bank — 11 offices, $1.0 billion in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a First Metro Bank account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
First Metro Bank was acquired or changed names — why does my report show two accounts?
Charter consolidations are common in this part of the industry. A converted First Metro Bank account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1988, core-system conversions are the usual cause.
Can I dispute First Metro Bank reporting myself, without paying anyone?
Yes — the law puts this in your hands at no charge. Disputes to First Metro Bank under §623 and to the bureaus under §611 cost nothing but postage. Anyone promising certain deletion or a point gain is overstating what the process can deliver; results vary case by case.
What should I check first on First Metro Bank reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 38-year-old lender like First Metro Bank, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by First Metro Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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