The company was one of the few overseas Chinese banks / financial institutions that were publicly held.

MetroBank operated banks in Greater Houston and the Dallas-Fort Worth Area in Texas.

During that year, the Office of the Comptroller of the Currency asked MetroBank to revise its balance sheet.

The rapid expansion of this bank in comparison to other overseas Chinese banks in the traditional regions where most Chinese American / immigrant and Asian American / immigrant was due to the booming economy of the late 1990s, in the regions of Telecom Corridor (Silicon Prairie) and Silicon Hills, which attracted a significant number of Chinese / Asian scientists and engineers.

On October 5, 2005, the company purchased First United Bank, and its locations in San Diego, California and Los Angeles, renamed it as the Metro United Bank (simplified Chinese: 第一银行; traditional Chinese: 第一銀行; pinyin: Dìyī Yínháng), thus completed its expansion by venturing into the traditional region where most Chinese Americans reside.