---
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"
generated_at: "2026-06-24T09:56:35.144296+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Metropolitan Bank Q2 net income $23.2M ($2.07 EPS); revenue up 44.4% YoY

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-22-081582
- JSON: https://secwatch.observer/filing/0001104659-22-081582.json
- Plain text: https://secwatch.observer/filing/0001104659-22-081582.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.