Metropolitan Bank Holding Corp.
For the period ended Dec 31, 2025. Filed Feb 20, 2026.
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FY2025 · Filed Feb 20, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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SIGNATURES
Pursuant to the requirements of Section 13 of the Securities Exchange Act of 1934, the Company has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
Metropolitan Bank Holding Corp.
Date: February 20, 2026 By:/s/ Mark R. DeFazio
Mark R. DeFazio
President and Chief Executive Officer
(Duly Authorized Representative)
Pursuant to the requirements of the Securities Exchange of 1934, this report has been signed below by the following persons on behalf of the Registrant and in the capacities indicated on February 20, 2026.
| | | | |
|---|---|---|---|
| Signatures | | Title | |
| | | | |
| /s/ Mark R. DeFazio | | President, Chief Executive Officer and Director | |
| Mark R. DeFazio | | (Principal Executive Officer) | |
| | | | |
| /s/ Daniel F. Dougherty | | Executive Vice President and Chief Financial Officer | |
| Daniel F. Dougherty | | (Principal Financial Officer) | |
| | | | |
| /s/ G. David Bonnar | | Senior Vice President and Chief Accounting Officer | |
| G. David Bonnar | | (Principal Accounting Officer) | |
| | | | |
| /s/ Anthony J. Fabiano | | Chairman of the Board | |
| Anthony J. Fabiano | | | |
| | | | |
| /s/ Dale C. Fredston | | Director | |
| Dale C. Fredston | | | |
| | | | |
| /s/ David J. Gold | | Director | |
| David J. Gold | | | |
| | | | |
| /s/ Harvey M. Gutman | | Director | |
| Harvey M. Gutman | | | |
| | | | |
| /s/ Terence J. Mitchell | | Director | |
| Terence J. Mitchell | | | |
| | | | |
| /s/ Robert C. Patent | | Director | |
| Robert C. Patent | | | |
| | | | |
| /s/ Maria F. Ramirez | | Director | |
| Maria F. Ramirez | | | |
| | | | |
| /s/ William Reinhardt | | Director | |
| William Reinhardt | | | |
| | | | |
| /s/ George J. Wolf, Jr. | | Director | |
| George J. Wolf, Jr. | | | |
| | | | |
| /s/ Chaya Pamula | | Director | |
| Chaya Pamula | | | |
| | | | |
| /s/ Katrina Robinson | | Director | |
| Katrina Robinson | | | |
INDEX TO CONSOLIDATED FINANCIAL STATEMENTS
| | | |
|---|---|---|
| | | Page |
| REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM (PCAOB ID - 173) | | 69 |
| CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION | | 72 |
| CONSOLIDATED STATEMENTS OF OPERATIONS | | 73 |
| CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME | | 74 |
| CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY | | 75 |
| CONSOLIDATED STATEMENTS OF CASH FLOWS | | 76 |
| NOTES TO CONSOLIDATED FINANCIAL STATEMENTS | | 77 |
| NOTE 1 — ORGANIZATION | | 77 |
| NOTE 2 — BASIS OF PRESENTATION | | 77 |
| NOTE 3 — SUMMARY OF RECENT ACCOUNTING PRONOUNCEMENTS | | 85 |
| NOTE 4 — INVESTMENT SECURITIES | | 87 |
| NOTE 5 — LOANS | | 90 |
| NOTE 6 — LEASES | | 97 |
| NOTE 7 — PREMISES AND EQUIPMENT | | 98 |
| NOTE 8 — DEPOSITS | | 98 |
| NOTE 9 — BORROWINGS | | 99 |
| NOTE 10 — INCOME TAXES | | 100 |
| NOTE 11 — RELATED PARTY TRANSACTIONS | | 102 |
| NOTE 12 — FAIR VALUE OF FINANCIAL INSTRUMENTS | | 103 |
| NOTE 13 — STOCK COMPENSATION PLAN | | 106 |
| NOTE 14 — EMPLOYEE BENEFIT PLAN | | 108 |
| NOTE 15 — COMMITMENTS AND CONTINGENCIES | | 108 |
| NOTE 16 — REGULATORY CAPITAL | | 109 |
| NOTE 17 — EARNINGS PER COMMON SHARE | | 111 |
| NOTE 18 — ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) | | 112 |
| NOTE 19 — REVENUE FROM CONTRACTS WITH CUSTOMERS | | 113 |
| NOTE 20 — DERIVATIVES | | 114 |
| NOTE 21 — PARENT COMPANY FINANCIAL INFORMATION | | 116 |
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