{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-015130","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2022-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:50.782969+00:00","generated_at":"2026-06-23T02:16:32.229296+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Metropolitan Bank Q3: net income up 54% YoY to $25M, EPS $2.23, NIM expands to 3.85%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-015130","json":"https://secwatch.observer/filing/0001558370-22-015130.json","markdown":"https://secwatch.observer/filing/0001558370-22-015130.md","text":"https://secwatch.observer/filing/0001558370-22-015130.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000155837022015130/0001558370-22-015130-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000155837022015130/mcb-20221020x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:16:32.229296+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"}