---
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"
generated_at: "2026-06-17T09:10:29.777679+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Metropolitan Bank reports $5.04B core deposits, 66% insured, strong liquidity as of March 29

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-23-039239
- JSON: https://secwatch.observer/filing/0001104659-23-039239.json
- Plain text: https://secwatch.observer/filing/0001104659-23-039239.txt

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