---
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"
generated_at: "2026-06-23T02:16:32.229296+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-015130
- JSON: https://secwatch.observer/filing/0001558370-22-015130.json
- Plain text: https://secwatch.observer/filing/0001558370-22-015130.txt

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