{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-005053","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2026-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.155031+00:00","generated_at":"2026-05-16T09:31:46.197434+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Metropolitan Bank Q4 net income $28.9M, EPS $2.77; dividend raised to $0.20/share","bullets":["Diluted EPS $2.77, net income $28.9M for Q4 2025, vs $1.88 and $21.4M in Q4 2024.","Net interest margin 4.10% (up 44 bps YoY); total revenues $88.4M.","Quarterly dividend increased 33% to $0.20/share, declared Jan 16, 2026.","Loans $6.8B (+12.9% YoY); deposits $7.4B (+23.3% YoY).","Non-performing loan ratio 1.28% (up from 0.54% YoY) mainly due to one CRE relationship."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-005053","json":"https://secwatch.observer/filing/0001104659-26-005053.json","markdown":"https://secwatch.observer/filing/0001104659-26-005053.md","text":"https://secwatch.observer/filing/0001104659-26-005053.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000110465926005053/0001104659-26-005053-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000110465926005053/mcb-20260120x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:31:46.197434+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"}