Road-deposited sediment and its adsorbed pollutants have been regarded as significant sources of urban diffuse pollution. In this study, the solid-phase concentrations (mg/g), surface load (mg/m²) and chemical fractionation of zinc (Zn), copper (Cu) and cadmium (Cd) were determined. Geo-accumulation (I_geo) and ecological risk (RI) indexes were employed for metal risk assessment. Results show that the highest solid-phase concentrations of Zn and Cu were usually found at an industrial area. However, Cd had the highest solid-phase concentrations at a rural area, followed by a commercial area. The surface loads of Zn and Cu decreased along the city centre to city border gradient. However, Cd was distributed irregularly. In terms of chemical fractionation, the predominant components of Zn and Cd were identified in the unstable exchangeable fractions, indicating high potential ecological risks to the aquatic environments. Cu posed a comparably low risk due to the high proportions of the stable components of residual and oxidisable fractions. According to a two-dimensional hierarchical cluster analysis, Zn and Cu surface loads were dominantly influenced by the antecedent dry-weather period; Cd contents were strongly land-use type dependent. In addition, the enrichment capability was ranked as Zn > Cu > Cd determined by I_geo index. The sampling site dependent potential ecological risk was determined as rural area (R) > commercial city centre (W) > federal highway (B) > industrial area (I) > main road (S) > secondary road (A) by the RI index.