Metropolitan Bank Holding Corp.

For the period ended Oct 20, 2026. Filed Oct 20, 2026.

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Oct 20, 2026 · Filed Oct 20, 2026

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MCB$95.47+0.4%Stored close · as of Nov 6, 2026

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Contents

EX-99.1 · Interest Margin Analysis

Interest Margin Analysis


· · Three months ended ·
· · Sept. 30, 2026 · · · Jun. 30, 2026 · · · Sept. 30, 2025 ·
· · Average · · · · · Yield / · · · Average · · · · · Yield / · · · Average · · · · · Yield / ·
(dollars in thousands) · · Balance · · Interest · · Rate (1) · · · Balance · · Interest · · Rate (1) · · · Balance · · Interest · · Rate (1) ·
Assets:
Interest-earning assets: · · · · · · · · · · · · · · · · · · ·
Loans (2)	$7,331,185	$134,375	7.27%	$7,023,237	$125,642	7.18%	$6,690,695	$123,521	7.32%
Available-for-sale securities	759,093	6,318	3.30	727,655	5,984	3.30	626,434	4,224	2.68
Held-to-maturity securities	438,273	2,876	2.60	363,589	1,866	2.06	383,238	1,780	1.84
Equity investments	6,049	46	3.00	5,918	45	3.04	5,751	43	2.94
Overnight deposits	328,100	3,179	3.84	750,213	7,010	3.75	177,016	1,995	4.47
Other interest-earning assets	27,724	394	5.64	25,331	391	6.19	27,564	437	6.29
Total interest-earning assets	8,890,424	147,188	6.57	8,895,943	140,938	6.35	7,910,698	132,000	6.62
Non-interest-earning assets	179,637			155,960			128,891
Allowance for credit losses	(61,704)			(80,257)			(74,877)
Total assets	$9,008,357			$8,971,646			$7,964,712
Liabilities and Stockholders' Equity:
Interest-bearing liabilities:
Money market and savings accounts	$6,079,932	47,972	3.13	$6,110,436	48,800	3.20	$5,340,340	49,856	3.70
Certificates of deposit	142,018	1,302	3.64	152,062	1,394	3.68	126,600	1,321	4.14
Total interest-bearing deposits	6,221,950	49,274	3.14	6,262,498	50,194	3.21	5,466,940	51,177	3.71
Borrowed funds	20,620	305	5.84	20,620	296	5.76	289,517	3,512	4.81
Total interest-bearing liabilities	6,242,570	49,579	3.15	6,283,118	50,490	3.22	5,756,457	54,689	3.77
Non-interest-bearing liabilities:
Non-interest-bearing deposits	1,626,652			1,583,067			1,354,163
Other non-interest-bearing liabilities	154,646			140,438			122,811
Total liabilities	8,023,868			8,006,623			7,233,431
Stockholders' equity	984,489			965,023			731,281
Total liabilities and equity	$9,008,357			$8,971,646			$7,964,712
Net interest income		$97,609			$90,448			$77,311
Net interest rate spread (3)			3.42%			3.13%			2.85%
Net interest margin (4)			4.36%			4.08%			3.88%
Total cost of deposits (5)			2.49%			2.57%			2.98%
Total cost of funds (6)			2.50%			2.57%			3.05%

(1)	Ratios are annualized.

(2)	Amount includes deferred loan fees and non-performing loans.

(3)	Determined by subtracting the annualized average cost of total interest-bearing liabilities from the annualized average yield on total interest-earning assets.

(4)	Determined by dividing annualized net interest income by total average interest-earning assets.

(5)	Determined by dividing annualized interest expense on deposits by total average interest-bearing and non-interest-bearing deposits.

(6)	Determined by dividing annualized interest expense by the sum of total average interest-bearing liabilities and total average non-interest-bearing deposits.


· · Nine months ended ·
· · Sept. 30, 2026 · · · Sept. 30, 2025
· · Average · · · · · Yield / · · · Average · · · · · Yield /
(dollars in thousands) · · Balance · · Interest · · Rate (1) · · · Balance · · Interest · · Rate (1)
Assets:
Interest-earning assets: · · · · · · · · · · · ·
Loans (2)	$7,095,282	$382,611	7.21%	$6,461,679	$353,160	7.31%
Available-for-sale securities	713,284	17,284	3.24	603,841	11,523	2.55
Held-to-maturity securities	385,246	6,406	2.22	398,188	5,572	1.87
Equity investments	5,947	135	3.03	5,608	124	2.95
Overnight deposits	551,311	15,518	3.76	171,892	5,998	4.67
Other interest-earning assets	24,608	1,104	6.00	28,709	1,436	6.69
Total interest-earning assets	8,775,678	423,058	6.45	7,669,917	377,813	6.59
Non-interest-earning assets	145,924			133,116
Allowance for credit losses	(79,784)			(69,513)
Total assets	$8,841,818			$7,733,520
Liabilities and Stockholders' Equity:
Interest-bearing liabilities:
Money market and savings accounts	$6,050,890	143,771	3.18	$5,073,383	$144,154	3.80
Certificates of deposit	159,412	4,428	3.71	128,856	4,024	4.18
Total interest-bearing deposits	6,210,302	148,199	3.19	5,202,239	148,178	3.81
Borrowed funds	21,286	893	5.61	326,954	11,725	4.79
Total interest-bearing liabilities	6,231,588	149,092	3.20	5,529,193	159,903	3.87
Non-interest-bearing liabilities:
Non-interest-bearing deposits	1,556,919			1,344,086
Other non-interest-bearing liabilities	126,869			128,004
Total liabilities	7,915,376			7,001,283
Stockholders' equity	926,442			732,237
Total liabilities and equity	$8,841,818			$7,733,520
Net interest income		$273,966			$217,910
Net interest rate spread (3)			3.25%			2.72%
Net interest margin (4)			4.17%			3.80%
Total cost of deposits (5)			2.55%			3.03%
Total cost of funds (6)			2.56%			3.11%

(1) Ratios are annualized.

(2)	Amount includes deferred loan fees and non-performing loans.

(3)	Determined by subtracting the annualized average cost of total interest-bearing liabilities from the annualized average yield on total interest-earning assets.

(4)	Determined by dividing annualized net interest income by total average interest-earning assets.

(5)	Determined by dividing annualized interest expense on deposits by total average interest-bearing and non-interest-bearing deposits.

(6)	Determined by dividing annualized interest expense by the sum of total average interest-bearing liabilities and total average non-interest-bearing deposits.

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