{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-23-039239","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2023-03-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.157853+00:00","generated_at":"2026-06-17T09:10:29.777679+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Metropolitan Bank reports $5.04B core deposits, 66% insured, strong liquidity as of March 29","bullets":["Total core deposit verticals $5.04B, up 5.4% from Dec 31, 2022; insured deposits now 66% of total (up from 60%).","Liquidity of $3.1B (cash at Fed + secured funding capacity) covers 170% of uninsured deposits.","Crypto-related deposits down to 4% of total; exit expected near zero by end of Q2 2023.","CRE portfolio diversified: offices only 10%, average loan-to-value ratio 61% mitigates credit risk.","Company and Bank remain well capitalized: total risk-based capital 13.4% and 13.1%, respectively, at Dec 31, 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-23-039239","json":"https://secwatch.observer/filing/0001104659-23-039239.json","markdown":"https://secwatch.observer/filing/0001104659-23-039239.md","text":"https://secwatch.observer/filing/0001104659-23-039239.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000110465923039239/0001104659-23-039239-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000110465923039239/tm2311072d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-17T09:10:29.777679+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"}