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At Metropolitan Capital Bank & Trust, understanding the client differently means serving the client differently. We offer a variety of services tailored to meet the specific needs of our clientele and delivered to meet the high standards that our clients deserve.


The centerpiece of the Metropolitan Capital Bank & Trust experience is the Private Capital Manager (PCM). As your personal, one-on-one banking consultant, your PCM will provide you with truly integrated financial consulting that takes into account your entire fiscal picture. Functioning essentially as your personal CFO, your PCM will work with you to design a comprehensive plan for both your short- and long-term financial goals.

As your personal CFO, your PCM can help you design a plan which will guide you in making your individual product decisions (e.g. mortgage, car insurance, investment account). Within this plan, your financial decisions are viewed within the broader context of all your short- and long-term goals. Understanding how each financial product can work together will help you produce a comprehensive solution to accumulate capital. For example, when selecting a mortgage, the true value of the loan is not determined by interest rate alone. Rather, the way that a mortgage structure aligns with your household income and your investment strategies will determine its ability to fulfill your financial goals. Any major financial decision is composed of countless smaller decisions. That is why the Bank makes available a financial professional - a Private Capital Manager - who can assist you in developing a plan. This plan can be executed by layering product by complimentary product to achieve an overall financial solution that is greater in value than the sum of the individual product parts.

Our Private Capital Managers understand that getting someone on the phone in today's society has become a challenge. So we have made accessibility and responsiveness a way of doing business. We work for you and accommodate your busy professional life in several ways. From flexible consultation schedules to an automated call-forwarding service that links you directly to your PCM's cellular phone, Metropolitan Capital Bank & Trust ensures that you and your PCM can always stay connected.

For more information, please contact your Private Capital Manager. To obtain a PCM, please contact Richard Keneman, Principal Private Capital Manager, at 312.640.2350.