---
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"
generated_at: "2026-05-17T02:29:20.461944+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1476034/000110465925101838/0001104659-25-101838-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1476034/000110465925101838/mcb-20251023x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-101838
- JSON: https://secwatch.observer/filing/0001104659-25-101838.json
- Plain text: https://secwatch.observer/filing/0001104659-25-101838.txt

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