Feddie Strickland

Mark Fitzgibbon

Christopher O'Connell

David Conrad

David Konrad

Gregory Zingone

Naira Behan

- 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.  **[0001476034_2202739_4]** 
- 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%)**.  **[0001476034_2202739_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.  **[0001476034_2202739_1]** **[0001476034_2202739_3]** 
- 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.  **[0001476034_2202739_1]**

Metropolitan Commercial Bank Reports Q3 2025 Earnings with Strong Growth and Margin Expansion

- **Metropolitan Commercial Bank (MCB)** reported **Q3 2025 diluted EPS of $0.67**, with a normalized diluted EPS of approximately **$1.95**.  **[0001476034_2202172_4]**  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%**.  **[0001476034_2202172_1]** **[0001476034_2202172_4]** 
- 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%).  **[0001476034_2202172_1]**  Year-to-date, loans grew over **12%** and deposits over **18%**.  **[0001476034_2202172_1]** 
- 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.  **[0001476034_2202172_1]** 
- 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.  **[0001476034_2202172_1]**  Despite this, overall asset quality remains strong with no broad negative trends.  **[0001476034_2202172_1]**  Management projects Q4 2025 NIM to be between **3.9% and 3.95%**, with the annual NIM north of **3.8%**.  **[0001476034_2202172_3]**

MCB Reports Strong Q3 2025 Financial Performance, Announces Share Repurchase and Dividend

- 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%**.  **[0001476034_2202133_1]** **[0001476034_2202133_3]** **[0001476034_2202133_4]** 
- 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.  **[0001476034_2202133_1]** 
- 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**.  **[0001476034_2202133_1]** **[0001476034_2202133_4]** **[0001476034_2202133_6]** 
- 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.  **[0001476034_2202133_3]** **[0001476034_2202133_7]**  The bank is also progressing with new branch openings and a franchise-wide technology stack integration.  **[0001476034_2202133_1]**

Metropolitan Commercial Bank Reports Strong Q3 2025 Growth, Announces Share Repurchase and Dividend

- 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.  **[0001476034_2201702:7]** **[0001476034_2201702:13]** **[0001476034_2201702:26]** **[0001476034_2201702:31]** 
- The bank achieved a Net Interest Margin (NIM) of **3.88%** and Net Interest Income of **$77.3 million** in Q3 2025.  **[0001476034_2201702:7]** **[0001476034_2201702:12]**  Return on Average Assets (ROAA) was **0.35%** and Return on Average Equity (ROAE) was **3.9%**.  **[0001476034_2201702:7]** 
- MCB maintained a Non-Performing Loans to Loans ratio of **1.20%** and a CET1 Capital Ratio of **10.6%** for Q3 2025.  **[0001476034_2201702:7]** **[0001476034_2201702:28]**  The Tangible Common Equity to Tangible Assets (TCE/TA) ratio stood at **8.8%**.  **[0001476034_2201702:7]** **[0001476034_2201702:13]** 
- As of September 30, 2025, **76%** of deposits were insured, with an uninsured deposit coverage ratio of **190%**.  **[0001476034_2201702:13]**  Non-interest bearing deposits represented **19.5%** of total deposits.  **[0001476034_2201702:13]**

Metropolitan Bank Holding (MCB)