Metropolitan Bank Q3: net income up 54% YoY to $25M, EPS $2.23, NIM expands to 3.85%

Metropolitan Bank Holding Corp.

2022-Q3 EPS reported $5.98 revenue$20,512,000

Total revenues $69.1M, up 48.1% YoY; net interest income $63.3M, up 55.2% YoY.
Net interest margin 3.85%, up 115 bps YoY; total cost of funds 45 bps.
Loans $4.6B (+28.1% YoY), deposits $5.7B (+5.0% YoY); book value $53.26/share.
Digital currency deposits dropped $485.9M QoQ; total deposits fell 7.2% QoQ.
No charge-offs; NPLs 0.00%; provision $2.0M; ROAA 1.51%, ROATCE 17.1%.

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