{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-22-048391","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2022-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:04:00.847345+00:00","generated_at":"2026-06-26T05:41:42.771869+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 reports Q1 2022 net income $19.0M, EPS $1.69, revenues up 38.6% YoY","bullets":["Net income $19.0M ($1.69 diluted EPS) vs $12.1M ($1.43) in Q1 2021, up 57%.","Total revenues $54.1M, up 38.6% YoY; BaaS revenues $5.7M, up 68.4% YoY.","Loans $4.1B, up 27.3% YoY; deposits $5.9B, up 34.2% YoY; non-interest-bearing deposits 53.5% of total.","Redeemed $25M of 6.25% subordinated debt; efficiency ratio improved to 45.5% from 52.1%.","ROATCE 14.0%; book value per share $50.88, up 23.9% YoY; tangible book value $49.99."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-22-048391","json":"https://secwatch.observer/filing/0001104659-22-048391.json","markdown":"https://secwatch.observer/filing/0001104659-22-048391.md","text":"https://secwatch.observer/filing/0001104659-22-048391.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000110465922048391/0001104659-22-048391-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000110465922048391/tm2213275d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T05:41:42.771869+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"}