{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-22-006014","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2022-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:04:06.639732+00:00","generated_at":"2026-06-27T16:47:39.526905+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Metropolitan Bank Q4 net income $18.9M; full-year EPS $6.45, up 38.4% YoY","bullets":["Q4 net income $18.9M ($1.69 EPS) vs $11.8M ($1.39 EPS) in Q4 2020; full-year net income $60.6M ($6.45 EPS), up 53.4% YoY.","Total revenues $180.7M, up 27.3% YoY; Global Payments (BaaS) revenue increased 94.3% YoY.","Loans $3.7B (+19% YoY), deposits $6.4B (+68% YoY); non-interest-bearing deposits 57% of total.","Tangible book value per share $50.09, up 27.6% YoY; ROATCE 15.2%; efficiency ratio 48.3% vs 52.5% prior year.","Completed $172.5M common equity offering in Sept 2021 at $75/share."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-22-006014","json":"https://secwatch.observer/filing/0001104659-22-006014.json","markdown":"https://secwatch.observer/filing/0001104659-22-006014.md","text":"https://secwatch.observer/filing/0001104659-22-006014.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000110465922006014/0001104659-22-006014-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000110465922006014/tm224038d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T16:47:39.526905+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}