secwatch.observer — SEC 8-K summary
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Issuer:     Metropolitan Bank Holding Corp. (MCB)
CIK:        0001476034
Form:       8-K
Filed at:   2026-01-20T23:59:59+00:00
Accession:  0001104659-26-005053
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1476034/000110465926005053/0001104659-26-005053-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1476034/000110465926005053/mcb-20260120x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-005053

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