{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-085420","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2026-07-21T20:20:28+00:00","discovered_at":"2026-07-21T20:22:00.259900+00:00","generated_at":"2026-07-21T20:22:15.814263+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Metropolitan Bank Q2 EPS $1.54; NII up 22.8% YoY; dividend raised 40% to $0.35; $50M buyback","bullets":["Diluted EPS $1.54 vs $2.92 prior quarter and $1.76 year ago; net income $19.2M.","Net interest income $90.4M, up 22.8% YoY; NIM stable at 4.08%.","Provision for credit losses $13.3M driven by a single C&I loan in non-core portfolio.","Non-performing loans ratio improved to 0.91% from 1.01% prior quarter.","Board approved $50M stock repurchase program; quarterly dividend raised to $0.35/share from $0.25."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-085420","json":"https://secwatch.observer/filing/0001104659-26-085420.json","markdown":"https://secwatch.observer/filing/0001104659-26-085420.md","text":"https://secwatch.observer/filing/0001104659-26-085420.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000110465926085420/0001104659-26-085420-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000110465926085420/mcb-20260721x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-21T20:22:15.814263+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"}