MCB Q3 EPS $0.67 vs $1.76 Q2; $23.9M credit provision on CRE loan

Metropolitan Bank Holding Corp.

2025-Q3 EPS reported $3.89 revenue$8,660,000

Diluted EPS of $0.67; net income $7.1M, down from $18.8M in Q2 2025 and $12.3M in Q3 2024.
Provision for credit losses $23.9M, including $18.7M for a single out-of-market CRE multifamily loan.
NPL ratio rose to 1.20% from 0.60% Q2; allowance for credit losses $94.2M (up $20.2M QoQ).
Net interest income $77.3M (+18.5% YoY); NIM 3.88% (+26 bps YoY).
Total loans $6.8B (+15% YoY); deposits $7.1B (+12.8% YoY); well capitalized.

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