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Midas Edge

Metropolitan Bank Holding Corp.

For the period ended Sep 30, 2025. Filed Nov 7, 2025.

View on SEC.gov

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 7, 2025

MCB$96.43+1.0%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits
Contents

Consolidated Statements of Operations

CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited)

(in thousands, except per share data)

​​​​​​​​​​​​​
​ · ​ · Three months ended September 30, · ​ · Nine months ended September 30,
​2025202420252024
Interest and dividend income​​​​​​​​​​​​
Loans, including fees​$123,521​$111,286​$353,160​$318,262
Securities​​6,047​​5,434​​17,219​​16,071
Overnight deposits​​1,995​​3,223​​5,998​​12,544
Other interest and dividends​​437​​511​​1,436​​1,673
Total interest income​​132,000​​120,454​​377,813​​348,550
Interest expense​​​​​​​​​​​​
Deposits​​51,177​​51,737​​148,178​​149,178
Borrowed funds​​3,179​​3,105​​10,742​​11,753
Trust preferred securities​​333​​379​​983​​1,138
Total interest expense​​54,689​​55,221​​159,903​​162,069
​​​​​​​​​​​​​
Net interest income​​77,311​​65,233​​217,910​​186,481
Provision for credit losses​​23,862​​2,691​​34,746​​4,757
Net interest income after provision for credit losses​​53,449​​62,542​​183,164​​181,724
​​​​​​​​​​​​​
Non-interest income​​​​​​​​​​​​
Service charges on deposit accounts​​2,047​​2,135​​6,351​​6,092
Global Payments Group revenue​​—​​3,500​​—​​11,255
Other income​​480​​650​​2,437​​2,081
Total non-interest income​​2,527​​6,285​​8,788​​19,428
​​​​​​​​​​​​​
Non-interest expense​​​​​​​​​​​​
Compensation and benefits​​21,674​​19,885​​63,668​​58,244
Bank premises and equipment​​2,664​​2,471​​7,640​​7,136
Professional fees​​3,506​​4,745​​12,075​​17,633
Technology costs​​5,297​​2,969​​11,170​​9,023
Licensing fees​​4,354​​3,411​​10,290​​9,867
FDIC assessments​​1,972​​2,950​​7,938​​8,800
Regulatory settlement reserve​​—​​10,000​​—​​10,000
Other expenses​​6,327​​4,826​​18,844​​14,711
Total non-interest expense​​45,794​​51,257​​131,625​​135,414
​​​​​​​​​​​​​
Net income before income tax expense​​10,182​​17,570​​60,327​​65,738
Income tax expense​​3,063​​5,304​​18,087​​20,470
Net income​$7,119​$12,266​$42,240​$45,268
​​​​​​​​​​​​​
Earnings per common share​​​​​​​​​​​​
Basic earnings​$0.68​$1.10​$3.94​$4.05
Diluted earnings​$0.67​$1.08​$3.89​$4.04
ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.