{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-22-081582","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2022-07-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:55.866934+00:00","generated_at":"2026-06-24T09:56:35.144296+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Metropolitan Bank Q2 net income $23.2M ($2.07 EPS); revenue up 44.4% YoY","bullets":["Q2 net income $23.2M ($2.07 diluted EPS) vs $13.3M ($1.55) YoY.","Total revenues $62.3M, up 44.4% YoY; Banking-as-a-Service revenues $5.2M, up 36.1%.","Net interest margin 3.27%, up 59 bps YoY; efficiency ratio improved to 42.2%.","Loans $4.4B, up 26.8% YoY; deposits $6.2B, up 16.8%; non-performing loans 0.00%.","Return on avg tangible common equity 16.7%; book value per share $52.54, up 22.4%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-22-081582","json":"https://secwatch.observer/filing/0001104659-22-081582.json","markdown":"https://secwatch.observer/filing/0001104659-22-081582.md","text":"https://secwatch.observer/filing/0001104659-22-081582.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000110465922081582/0001104659-22-081582-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000110465922081582/tm2221585d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T09:56:35.144296+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"}