Earnings summaries and quarterly performance for Metropolitan Bank Holding.
Executive leadership at Metropolitan Bank Holding.
Mark DeFazio
Detailed
President and Chief Executive Officer
CEO
DD
Daniel Dougherty
Detailed
Executive Vice President and Chief Financial Officer
DB
Dixiana Berrios
Detailed
Executive Vice President and Chief Operating Officer
FE
Frederik Erikson
Detailed
Executive Vice President and General Counsel
GG
Gregory Gaare
Detailed
Senior Vice President and Chief Risk Officer
LC
Laura Capra
Detailed
Executive Vice President and Head of Retail Banking
NR
Nick Rosenberg
Detailed
Executive Vice President and Chief Business Development Officer
NS
Norman Scott
Detailed
Senior Vice President and Chief Credit Officer
SL
Scott Lublin
Detailed
Executive Vice President and Chief Lending Officer
Board of directors at Metropolitan Bank Holding.
AF
Anthony Fabiano
Detailed
Chairman of the Board
CP
Chaya Pamula
Detailed
Director
DF
Dale Fredston
Detailed
Director
DG
David Gold
Detailed
Director
GW
George Wolf, Jr.
Detailed
Director
HG
Harvey Gutman
Detailed
Director
KR
Katrina Robinson
Detailed
Director
MF
Maria Fiorini Ramirez
Detailed
Director
RP
Robert Patent
Detailed
Director
TM
Terence Mitchell
Detailed
Director
WR
William Reinhardt
Detailed
Director
Research analysts who have asked questions during Metropolitan Bank Holding earnings calls.
Feddie Strickland
Hovde Group
6 questions for MCB
Also covers: BFST, BWFG, CNOB +6 more
MF
Mark Fitzgibbon
Piper Sandler & Co.
6 questions for MCB
Also covers: AMAL, BHLB, BRKL +12 more
Christopher O'Connell
Keefe, Bruyette, & Woods, Inc.
3 questions for MCB
Also covers: AMAL, ASB, BHLB +10 more
DK
David Konrad
Keefe, Bruyette & Woods (KBW)
3 questions for MCB
Also covers: AMAL, BLFY, BRKL +9 more
DC
David Conrad
KVW
1 question for MCB
Also covers: DCOM, FULT, INDB +1 more
Gregory Zingone
Piper Sandler
1 question for MCB
Also covers: BHLB, EBC, ORRF
NB
Naira Behan
Hovde Group
1 question for MCB
Recent press releases and 8-K filings for MCB.
Metropolitan Commercial Bank Reports Q4 2025 Results
MCB
Earnings
Revenue Acceleration/Inflection
- Metropolitan Commercial Bank reported a Net Interest Margin of 4.10% and an Efficiency Ratio of 50.2% for Q4 2025, with non-performing assets at 0.0% of total assets.
- As of December 31, 2025, the bank's total assets reached $8.3 billion, with total loans at $6.8 billion and total deposits at $7.4 billion.
- The loan portfolio, totaling $6.8 billion as of December 31, 2025, is significantly diversified, with 40% in Skilled Nursing CRE and C&I, and 46% in Non Owner Occupied CRE. Total Healthcare loans amounted to $2.8 billion.
- Since its 2017 IPO, MCB has demonstrated strong growth, with a Loans CAGR of 22.4% and a Deposits CAGR of 23.2% through Q3 2025, and its share price performance was 132.5 as of January 8, 2026, outperforming peers.
Jan 21, 2026, 2:00 PM
MCB Reports Strong Q4 and Full Year 2025 Results, Provides 2026 Guidance
MCB
Earnings
Guidance Update
New Projects/Investments
- Metropolitan Commercial Bank reported strong Q4 and full year 2025 performance, with full year loan growth of approximately $775 million (nearly 13%) and deposit growth of roughly $1.4 billion (about 23%).
- For Q4 2025, net interest income was $85.3 million, up over 10% on a linked-quarter basis, and the net interest margin was 4.1%, an increase of 22 basis points from the prior quarter.
- The company provided 2026 guidance, expecting to grow loans by about $800 million (approximately 12%) and project an annual net interest margin of about 4.10%, with forecasted return on tangible common equity (ROTCE) approaching 16% by Q4 2026.
- Non-core credits in Q4 2025, including elevated loan prepayments and a bond sale gain, contributed approximately $4.6 million, or about $0.30 per share, to diluted EPS of $2.77.
- Management emphasized a focus on organic growth and new initiatives, with plans to open two new branches in Florida in the first half of 2026, and is not actively pursuing M&A or team lift-outs.
Jan 21, 2026, 2:00 PM
MCB Reports Strong Q4 and Full-Year 2025 Performance, Provides 2026 Guidance
MCB
Earnings
Guidance Update
New Projects/Investments
- Metropolitan Commercial Bank reported a strong fourth quarter and full year 2025 performance, with Q4 net interest margin at 4.1% and net interest income up over 10% linked quarter. For the full year, the loan portfolio grew by nearly 13% (approximately $775 million) and deposits increased by about 23% (roughly $1.4 billion).
- For 2026, MCB expects loan growth of approximately $800 million (about 12%), an annual net interest margin of around 4.10%, and annual operating expenses totaling between $189 million-$191 million.
- The company forecasts its Return on Tangible Common Equity (ROTCE) to approach 16% by the fourth quarter of 2026.
- Strategic initiatives include opening two new branches in Florida in the first half of 2026 and continued investment in digital transformation, with asset quality remaining solid.
Jan 21, 2026, 2:00 PM
Metropolitan Commercial Bank Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance
MCB
Earnings
Guidance Update
New Projects/Investments
- Metropolitan Commercial Bank reported strong Q4 and full-year 2025 results, with full-year loan growth of nearly 13% (approximately $775 million) and deposit growth of about 23% (approximately $1.4 billion).
- For Q4 2025, net interest income reached $85.3 million, a more than 10% increase linked quarter, and diluted EPS was $2.77. The net interest margin (NIM) for the quarter was 4.1%, up 22 basis points from the prior quarter.
- The company provided 2026 guidance, projecting loan growth of approximately 12% (about $800 million), an annual NIM of about 4.10%, and annual operating expenses between $189 million and $191 million. Forecasted Return on Tangible Common Equity (ROTCE) is expected to approach 16% by Q4 2026.
- Strategic initiatives include opening two new branches in Florida in the first half of 2026 and a $3 million first-quarter spend for the Modern Banking in Motion project. The bank also paid off $450 million in wholesale funding during 2025.
Jan 21, 2026, 2:00 PM
Metropolitan Bank Holding Corp. Reports Fourth Quarter and Full Year 2025 Results
MCB
Earnings
Dividends
Share Buyback
- Metropolitan Bank Holding Corp. reported net income of $28.9 million and diluted earnings per common share of $2.77 for the fourth quarter of 2025.
- The company achieved a net interest margin of 4.10% and an annualized return on average equity of 15.6% for the fourth quarter of 2025.
- Total loans reached $6.8 billion and total deposits grew to $7.4 billion as of December 31, 2025.
- A quarterly cash dividend of $0.20 per share was declared on January 16, 2026, representing an increase of $0.05 from the prior quarterly dividend.
- Approximately 293,000 shares of MCB common stock were repurchased during the fourth quarter of 2025 at a weighted average price of $68.09.
Jan 20, 2026, 9:20 PM
Metropolitan Bank Holding Corp. Reports Fourth Quarter and Full Year 2025 Results
MCB
Earnings
Dividends
Revenue Acceleration/Inflection
- Metropolitan Bank Holding Corp. reported net income of $28.9 million and diluted earnings per share of $2.77 for the fourth quarter of 2025, a significant increase compared to $7.1 million and $0.67 for the prior linked quarter.
- The company achieved a net interest margin of 4.10% for the fourth quarter of 2025, an increase of 22 basis points from the prior linked quarter, and an annualized return on average equity (ROAE) of 15.6%.
- Total loans reached $6.8 billion and total deposits were $7.4 billion at December 31, 2025, representing increases of 0.4% and 4.3% respectively from September 30, 2025.
- A quarterly cash dividend of $0.20 per share was declared on January 16, 2026, which is an increase of $0.05 from the prior quarterly dividend.
- The ratio of non-performing loans to total loans increased to 1.28% at December 31, 2025, compared to 1.20% at September 30, 2025, and 0.54% at December 31, 2024.
Jan 20, 2026, 9:05 PM
Metropolitan Commercial Bank Reports Q3 2025 Earnings with Strong Growth and Margin Expansion
MCB
Earnings
Dividends
Share Buyback
- 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.
Oct 24, 2025, 1:00 PM
MCB Reports Strong Q3 2025 Financial Performance, Announces Share Repurchase and Dividend
MCB
Earnings
Dividends
Share Buyback
- 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%.
Oct 24, 2025, 1:00 PM
Metropolitan Commercial Bank Reports Strong Q3 2025 Growth, Announces Share Repurchase and Dividend
MCB
Earnings
Share Buyback
Dividends
- 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.
Oct 24, 2025, 1:00 PM
MCB Reports Q3 2025 Financial Results
MCB
Earnings
Capital Ratios
New Projects/Investments
- 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.
Oct 24, 2025, 1:00 PM
Quarterly earnings call transcripts for Metropolitan Bank Holding.
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