{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-101838","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.485271+00:00","generated_at":"2026-05-17T02:29:20.461944+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"MCB Q3 EPS $0.67 vs $1.76 Q2; $23.9M credit provision on CRE loan","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-101838","json":"https://secwatch.observer/filing/0001104659-25-101838.json","markdown":"https://secwatch.observer/filing/0001104659-25-101838.md","text":"https://secwatch.observer/filing/0001104659-25-101838.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000110465925101838/0001104659-25-101838-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000110465925101838/mcb-20251023x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:29:20.461944+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"}