---
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"
generated_at: "2026-05-16T09:31:46.197434+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Metropolitan Bank Q4 net income $28.9M, EPS $2.77; dividend raised to $0.20/share

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1476034/000110465926005053/0001104659-26-005053-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1476034/000110465926005053/mcb-20260120x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-005053
- JSON: https://secwatch.observer/filing/0001104659-26-005053.json
- Plain text: https://secwatch.observer/filing/0001104659-26-005053.txt

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