{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-000381","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2023-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.157544+00:00","generated_at":"2026-06-20T12:25:18.931226+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"MCB reports Q4 net loss of $7.7M on $35M regulatory reserve; adjusted EPS $2.43","bullets":["Q4 2022 net loss of $7.7M ($0.71 diluted loss) vs net income of $18.9M in Q4 2021.","Adjusted net income of $27.3M ($2.43 diluted EPS) excluding the $35M regulatory settlement reserve.","Full year 2022 net income $59.4M ($5.29 diluted EPS); adjusted net income $94.4M ($8.42 diluted EPS).","Net interest income rose 42.6% YoY to $63.9M; NIM expanded 146 bps to 4.05%.","Accrued $35M pre-tax charge for Federal Reserve and NYSDFS investigations regarding a prepaid debit card program."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-000381","json":"https://secwatch.observer/filing/0001558370-23-000381.json","markdown":"https://secwatch.observer/filing/0001558370-23-000381.md","text":"https://secwatch.observer/filing/0001558370-23-000381.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000155837023000381/0001558370-23-000381-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000155837023000381/mcb-20230120x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T12:25:18.931226+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":[{"claim_id":"d5d13da0b0bde48c65b0dbb3171c738e54ff6691","claim":"Metropolitan Bank Holding Corp. reported financial results for the fourth quarter and full year ending 2022.","evidence_excerpt":"On January 20, 2023, Metropolitan Bank Holding Corp. (the “Company”), the holding company for Metropolitan Commercial Bank (the “Bank”), issued a press release announcing its financial results for the fourth quarter and full year ending 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1476034/000155837023000381/0001558370-23-000381-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and full year ending 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}