Metropolitan Bank Holding Corp
NYSE:MCB
If you don’t study any companies, you have the same success buying stocks as you do in a poker game if you bet without looking at your cards.
Utilize notes to systematically review your investment decisions. By reflecting on past outcomes, you can discern effective strategies and identify those that underperformed. This continuous feedback loop enables you to adapt and refine your approach, optimizing for future success.
Each note serves as a learning point, offering insights into your decision-making processes. Over time, you'll accumulate a personalized database of knowledge, enhancing your ability to make informed decisions quickly and effectively.
With a comprehensive record of your investment history at your fingertips, you can compare current opportunities against past experiences. This not only bolsters your confidence but also ensures that each decision is grounded in a well-documented rationale.
Do you really want to delete this note?
This action cannot be undone.
This alert will be permanently deleted.
Metropolitan Bank Holding Corp
Metropolitan Bank Holding Corp. engages in the provision of banking solutions through its subsidiary, the Metropolitan Commercial Bank. The company is headquartered in New York City, New York and currently employs 202 full-time employees. The company went IPO on 2017-11-08. The firm provides a range of business, commercial and retail banking products and services to small businesses, middle-market enterprises, public entities and affluent individuals. The Company’s primary lending products include CRE loans, C&I loans, and multi-family loans. Its primary deposit products include checking, savings and term deposit accounts. Its deposit accounts are insured by the Federal Deposit Insurance Corporation. The company also offers corporate cash management and retail banking services and, through its Global Payments Group, provides backend as a service to its fintech partners, which includes serving as an issuing bank for third-party managed debit card programs nationwide and providing other financial infrastructure, including cash settlement and custodian deposit services.
Metropolitan Bank Holding Corp. engages in the provision of banking solutions through its subsidiary, the Metropolitan Commercial Bank. The company is headquartered in New York City, New York and currently employs 202 full-time employees. The company went IPO on 2017-11-08. The firm provides a range of business, commercial and retail banking products and services to small businesses, middle-market enterprises, public entities and affluent individuals. The Company’s primary lending products include CRE loans, C&I loans, and multi-family loans. Its primary deposit products include checking, savings and term deposit accounts. Its deposit accounts are insured by the Federal Deposit Insurance Corporation. The company also offers corporate cash management and retail banking services and, through its Global Payments Group, provides backend as a service to its fintech partners, which includes serving as an issuing bank for third-party managed debit card programs nationwide and providing other financial infrastructure, including cash settlement and custodian deposit services.
Strong Loan & Deposit Growth: Metropolitan Commercial Bank grew its loan portfolio by about $775 million, or nearly 13%, and deposits by roughly $1.4 billion, or around 23% for the year.
Net Interest Margin Expansion: The fourth quarter net interest margin rose to 4.1%, up 22 basis points from the previous quarter, with guidance for continued modest expansion in 2026.
Solid Earnings: Q4 net interest income was $85.3 million, up over 10% from the prior quarter and nearly 20% year-over-year. Diluted EPS for the quarter was $2.77.
Stable Asset Quality: Asset quality remains solid, with no broad-based negative trends; recent increases in nonperforming assets are tied to specific multifamily loans expected to have minimal losses.
Expense Control & Investments: Noninterest expense declined $1.4 million from the previous quarter, with digital transformation costs peaking in Q1 2026.
2026 Guidance: Management expects similar loan growth of about $800 million (approximately 12%) funded entirely by deposits, annual NIM around 4.10%, and operating expenses between $189–191 million.
Focus on Organic Growth: The bank remains committed to organic growth in key markets and is not pursuing M&A or team lift-outs at this time.
