Metropolitan Bank Holding Corp.

For the period ended Dec 31, 2025. Filed Feb 20, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 20, 2026

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

(in thousands, except per share data)


· · Year ended December 31,
· · 2025 · · 2024 · · 2023
Interest and dividend income
Loans, including fees	$480,497	$429,748	$345,039
Securities	23,601	21,378	18,525
Overnight deposits	9,347	15,013	9,319
Other interest and dividends	1,833	2,240	2,522
Total interest income	515,278	468,379	375,405
Interest expense
Deposits	198,810	198,013	128,677
Borrowed funds	11,939	15,795	22,424
Trust preferred securities	1,294	1,487	1,468
Total interest expense	212,043	215,295	152,569

Net interest income	303,235	253,084	222,836
Provision for credit losses	37,592	6,257	12,283
Net interest income after provision for credit losses	265,643	246,827	210,553

Non-interest income
Service charges on deposit accounts	8,388	8,269	6,071
Global Payments Group revenue	—	13,355	19,005
Other income	3,483	2,205	2,827
Total non-interest income	11,871	23,829	27,903

Non-interest expense
Compensation and benefits	84,029	77,859	66,961
Bank premises and equipment	10,322	9,656	9,344
Professional fees	14,932	21,320	18,064
Technology costs	17,135	11,012	4,940
Deposit related program fees	24,021	16,836	13,104
FDIC assessments	9,548	11,780	9,077
Regulatory settlement reserve	—	9,463	(5,521)
Other expenses	16,018	15,649	15,569
Total non-interest expense	176,005	173,575	131,538

Net income before income tax expense	101,509	97,081	106,918
Income tax expense	30,411	30,395	29,650
Net income	$71,098	$66,686	$77,268

Earnings per common share
Basic earnings	$6.71	$5.97	$6.95
Diluted earnings	$6.62	$5.93	$6.91

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.