Earnings summaries and quarterly performance for Metropolitan Bank Holding.
Executive leadership at Metropolitan Bank Holding.
Mark DeFazio
President and Chief Executive Officer
Daniel Dougherty
Executive Vice President and Chief Financial Officer
Dixiana Berrios
Executive Vice President and Chief Operating Officer
Frederik Erikson
Executive Vice President and General Counsel
Gregory Gaare
Senior Vice President and Chief Risk Officer
Laura Capra
Executive Vice President and Head of Retail Banking
Nick Rosenberg
Executive Vice President and Chief Business Development Officer
Norman Scott
Senior Vice President and Chief Credit Officer
Scott Lublin
Executive Vice President and Chief Lending Officer
Board of directors at Metropolitan Bank Holding.
Anthony Fabiano
Chairman of the Board
Chaya Pamula
Director
Dale Fredston
Director
David Gold
Director
George Wolf, Jr.
Director
Harvey Gutman
Director
Katrina Robinson
Director
Maria Fiorini Ramirez
Director
Robert Patent
Director
Terence Mitchell
Director
William Reinhardt
Director
Research analysts who have asked questions during Metropolitan Bank Holding earnings calls.
Feddie Strickland
Hovde Group
4 questions for MCB
Mark Fitzgibbon
Piper Sandler & Co.
4 questions for MCB
Christopher O'Connell
Keefe, Bruyette, & Woods, Inc.
3 questions for MCB
David Conrad
KVW
1 question for MCB
David Konrad
Keefe, Bruyette & Woods (KBW)
1 question for MCB
Gregory Zingone
Piper Sandler
1 question for MCB
Naira Behan
Hovde Group
1 question for MCB
Recent press releases and 8-K filings for MCB.
- Metropolitan Commercial Bank reported diluted EPS of $0.67 for Q3 2025, with a normalized diluted EPS estimated at $1.95 after adjusting for a specific provisioning.
- The company achieved strong balance sheet growth in Q3 2025, with loan growth of approximately $170 million (2.6%) and core deposit growth of approximately $280 million (4.1%).
- Net interest margin expanded for the eighth consecutive quarter, increasing five basis points to 3.88% in Q3 2025, and is projected to reach 3.90% to 3.95% in Q4 2025.
- MCB announced a board-approved $50 million share repurchase program and the payment of its first common stock dividend, reflecting a commitment to shareholder returns.
- Metropolitan Commercial Bank (MCB) reported Q3 2025 diluted EPS of $0.67, with a normalized diluted EPS of approximately $1.95. Net interest income increased 5% linked quarter to $77.3 million, and the net interest margin (NIM) expanded for the eighth consecutive quarter, reaching 3.88%.
- The bank demonstrated strong balance sheet growth, with loans increasing by $170 million (2.6%) in Q3 2025 and core deposits growing by $280 million (4.1%). Year-to-date, loans grew over 12% and deposits over 18%.
- MCB's Board approved a $50 million share repurchase program and initiated its first common stock dividend, signaling a commitment to returning capital to shareholders.
- A $23.9 million provision expense was recorded, primarily due to an $18.7 million specific reserve for three loans to a single borrower group, which is considered an outlier. Despite this, overall asset quality remains strong with no broad negative trends. Management projects Q4 2025 NIM to be between 3.9% and 3.95%, with the annual NIM north of 3.8%.
- Metropolitan Commercial Bank (MCB) reported strong Q3 2025 financial results, with loan growth of $170 million (2.6%) and core deposit growth of $280 million (4.1%) in the quarter, contributing to a net interest income of $77.3 million and a net interest margin of 3.88%.
- The company announced a board-approved $50 million share repurchase program and the payment of its first common stock dividend, demonstrating a commitment to shareholder returns.
- A provision expense of $23.9 million was recorded, including $18.7 million specifically for three loans totaling $34 million to a single borrower group, which impacted reported diluted EPS of $0.67; normalized diluted EPS, excluding this specific provisioning, would have been approximately $1.95.
- MCB anticipates $100 million to $200 million in additional loan growth for the remainder of the year and expects Q4 net interest margin to be between 3.90% and 3.95%, with potential to approach 4% in 2026. The bank is also progressing with new branch openings and a franchise-wide technology stack integration.
- Metropolitan Commercial Bank (MCB) reported $8.2 billion in total assets, $6.8 billion in loans, and $7.1 billion in deposits for Q3 2025.
- The bank achieved a Net Interest Margin (NIM) of 3.88% and Net Interest Income of $77.3 million in Q3 2025. Return on Average Assets (ROAA) was 0.35% and Return on Average Equity (ROAE) was 3.9%.
- MCB maintained a Non-Performing Loans to Loans ratio of 1.20% and a CET1 Capital Ratio of 10.6% for Q3 2025. The Tangible Common Equity to Tangible Assets (TCE/TA) ratio stood at 8.8%.
- As of September 30, 2025, 76% of deposits were insured, with an uninsured deposit coverage ratio of 190%. Non-interest bearing deposits represented 19.5% of total deposits.
Quarterly earnings call transcripts for Metropolitan Bank Holding.
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